Senior Care

Medicare is an insurance program administered by the Centers for Medicare and Medicaid Services in the United States. Medicare began in 1966 and was originally administered by the Social Security Administration. Over the past half-century, the program has adapted to meet the ever-changing needs of the modern world by adding new program options and allowing for the introduction of supplemental plans.

Medicare Advantage plans, sometimes referred to as Medicare Part C or MA plans, are an alternative to Original Medicare Parts A and B. These plans have many things in common with Original Medicare, but they may also offer expanded benefits that aren’t available otherwise.

Prescription Drug Plans, sometimes referred to as Medicare Part D, are federally approved insurance plans run by private companies that help cover the cost of outpatient prescription drugs. By using a list of your current prescriptions, we can find you a plan that best fits your needs.

Long-term care insurance may be your best option if you develop a chronic illness or become disabled and can no longer care for yourself for an extended period of time. We’ll help prepare you for the unexpected.

Medicare, Medicare Supplement Insurance, Medigap, and many Medicare Advantage plans do not cover most expenses associated with dental, vision, or hearing services. However, standalone plans are available to help defray some of these costs.

Medicare Part A covers hospital services, but there are out of pocket costs associated with these services. For those who have limited income and resources, these costs can add up quickly and be overwhelming. A hospital indemnity plan may be the solution.

Individuals generally become eligible for Medicare when they turn 65. It could be earlier in certain situations. But what happens if you retire or otherwise lose coverage before you turn 65 and gain Medicare eligibility? There are options for you to fill the gap.

While no one wants to think about it, we will all die someday. Funeral costs and other end- of-life expenses can add up quickly, creating enormous stress for loved ones at a time when they are grieving. Final expense insurance can offer peace of mind that funds will be available to cover these costs.