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Top Rated Medicare/Health Insurance Agency in Pasco County. We provide medicare and health insurance plans from all major carriers in Florida. Our recommendations are unbiased and meet your healthcare needs and budget. Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics Health Insurance Marketplace Trained and Certified...11 th Year of Service in Florida/Tampa Bay! 2020-2022 Circle of Champions Find Local Help with Marketplace Health Insurance ACA Yearly Income Calculator Use this calculator to calculate your Yearly Income 2020 ACA Yearly Guidelines and Thresholds Health Savings Accounts (HSA) for Dummies - eBook Health Savings Accounts in Retirement - eBook 2023 Marketplace Carriers Ambetter Florida Aetna CVS Health AvMed FloridaBlue Health First Oscar Health Florida UnitedHealthcare Short Term Medical Insurance from UnitedHealthOne Golden Rule Insurance Company Health Protector Guard underwritten by Golden Rule Insurance Company ** Watch the Video Hospital/Doctor Indemnity Insurance Plans from Golden Rule Insurance Company Health Insurance Health insurance covers medical expenses for illnesses, injuries and conditions. But, unlike a plan through an employer, individual health insurance is something you select and pay for on your own. So, what’s health insurance for and why do you need it? Because accidents or health problems can happen at any time Medical expenses can be high—they’re the number one cause of bankruptcy To gain access to a network of doctors and hospitals that have negotiated lower rates with insurance companies To pay and keep track of medical payments quickly and easily To safeguard your way of life and your family’s physical and financial wellbeing Find an Affordable Health Plan...Click Here! What is the Health Insurance Marketplace? The Health Insurance Marketplace is a resource where individuals, families, and small businesses can: Compare health insurance plans for coverage and affordability. Get answers to questions about your health care insurance. Find out if you are eligible for tax credits for private insurance or health programs like Medicaid or the Children’s Health Insurance Program (CHIP). Enroll in a health insurance plan that meets your needs. The Marketplace is available online at: Healthcare.gov . Understanding Health Insurance Terms We know health insurance has its own language with different terms, like “deductibles,” “coinsurance” and “copayments.” Once you get a good grasp on some of these basic terms, you’ll see how simple health insurance can be. Let’s start by defining these terms: Deductible: This is a set amount you have to pay toward your medical bills every year before your insurance company starts paying. It varies by plan and some plans have no deductible. Premium: This is the amount you pay your health insurance company to keep your coverage active. Most people pay their premium monthly. Coinsurance: This is the percentage of your medical bill you share with your insurance company after you’ve paid your deductible. Unless you have a policy with 100 percent coverage for everything, you have to pay a coinsurance amount. For example, if you have a $100 doctor’s bill and your plan covers 80 percent of it, your coinsurance amount due to the doctor’s office is 20 percent, or $20. Copayment (or “Copay”): Your copayment, or copay, is the flat fee you pay every time you go to the doctor or fill a prescription. It’s usually a relatively small dollar amount. Copays do not count toward your deductible. There are other insurance terms that may be confusing to you, but starting with these four is a good foundation. You can always check our glossary for more terms and definitions. Short Term Medical Insurance TriTerm Medical Offers: 3-Year Short Term Underwritten by Golden Rule Insurance Company Preventive Care Coverage: You don't have to be sick to access care. After 6 months on the plan, take your family to the doctor for wellness checks -- a $200 benefit per term, per person. Doctor Office Coverage: Doctor visits are covered on all TriTerm Medical plans. With some plans, your first 4 doctor visits (per term, per person) cost $50 each with no deductible to meet. Prescription Coverage: All TriTerm Medical plans have prescription coverage. Copay Select plans have a $25 copay for common (Tier 1) prescriptions.

Protect your Family's Future with life insurance from a Top-Rated carrier for pennies a day. We help you understand plan types and policy options. Call our office today for a free consultation/quote. Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics Life Insurance Awareness Month is NOW! What You Need to Know About Life Insurance Guaranteed Life Insurance If you are between the ages of 45-80 years old, you are guaranteed acceptance, regardless of your health. Life Insurance Calculator The NAIC can assist consumers in locating life insurance policies and annuity contracts of a deceased family member or close relationship. Life Insurance - Living Benefits Video from AIG Life Insurance What Is Term Life Insurance? Term insurance is life insurance coverage that is in eff ect for a specified period (or term), after which the insured typically has the option to renew the policy (up to a maximum age). Term policies are said to provide “pure” insurance protection since they provide a death benefi t only—no cash values accumulate in the policy, as they do with permanent insurance. IF EVERY WIFE KNEW WHAT EVERY WIDOW KNOWS, NO HOME WOULD BE WITHOUT ADEQUATE LIFE INSURANCE. Author Unknown... Request a Quote How Does It Work? The insured chooses the term of the policy—typically ten years, fifteen years, twenty years or longer. When the specifi ed term ends, the insured can usually choose to renew the coverage up to some maximum age without proof of insurability. The premium for the new term is adjusted upward, reflecting the insured’s age at renewal. For younger insureds, the premium cost of term insurance is less than the premium cost for the same amount of permanent insurance, since permanent policies build cash values with the additional premium paid. Term life insurance premiums rise at each renewal, and the increase can be quite dramatic as the years go by. To alleviate the eff ect of rising premiums, insurers off er level premium term policies. The premium for level term remains constant for the term the policy is in eff ect. And while the premium at the beginning is higher than the insured would pay for a term policy that doesn’t have this feature, the insured isn’t subject to increases in the later years of the policy term. What Are the Different Types of Term Insurance? Level term insurance maintains the same amount of insurance coverage for a level annual premium over a period of years. Decreasing term insurance gradually reduces the amount of insurance over the policy period. Increasing term insurance gradually raises the amount of insurance over the policy period. What Are the Disadvantages of Term Coverage? Unlike permanent life insurance, term insurance doesn’t build cash values. There is no “savings” element that can be available for future needs, emergencies or retirement. Term insurance premiums increase each time the policy is renewed. They can climb sharply as an insured ages. What Are the Benefits? Term life insurance coverage provides needed protection at a lower initial cost, and may be renewed without proof of insurability. What is Whole Life Insurance? Whole life is cash value insurance that stays in effect as long as premiums are paid. This sets it apart from term insurance, which is for a specified term only and must be renewed at the end of each term. Premiums are paid for the whole of the insured person’s life or until the insured reaches a specifi ed maximum age. A variation of whole life offered by some insurance companies is limited-pay life, where premiums aren’t paid over the insured’s lifetime, but for a limited period of time. When that period is over, the insurance remains in effect with no further premium payments. Typical limited-pay types are 10-pay, 20-pay, 30-pay and life paid up at 65. A 10-pay policy means premiums are paid for 10 years, 20-pay for 20 years, and so forth. The payment period for a life paid up at 65 policy is the number of years between policy’s inception and the insured’s age 65. How Does Cash Value Insurance Work? Whether whole life or limited-pay life, cash value life insurance has several characteristics that differentiate it from term insurance: Protection continues for a lifetime as long as the premiums are paid. Premiums—except for limited-pay policies—are paid for as long as the insured lives. Premiums remain level throughout the payment period. Part of each premium goes toward a cash value that gradually increases over the life of the policy. The net cash values are available to the policyowner in the form of policy loans and surrender value. If a policy is “participating,” the insurance company pays dividends whenever possible. Dividends aren’t guaranteed, but are paid when the company has good results from claim experience, investment income and/or expense management. When dividends are paid, the policyowner has the option to receive them in one of several ways. Cash value insurance policies also have nonforfeiture options that ensure the policyowner won’t lose—or forfeit—all of the money paid into the policy if unable to continue paying premiums. What Are the Benefi ts? Whole life insurance never has to be renewed as long as scheduled premiums are paid on time. The policyowner is assured a predictable, level premium. A savings element is a feature of the policy in the form of the accumulating cash values. Some policies include the potential to receive dividends as a return of premium.

You might be able to save money with a Medicare Supplement insurance plan. Medicare Supplement, or Medigap, insurance plans fill in “gaps” in basic benefits left behind by Original Medicare, Part A and Part B, such as deductibles, coinsurance, and copayments. Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics What is a Medicare Supplement Insurance? Should You Buy a Medicare Supplement Insurance Plan? Request FREE Information Click Here! Medicare supplement insurance, often referred to as "Medigap" health insurance, takes care of the health care bills left owing after Medicare is done paying. These bills arise due to coinsurance and deductibles. For Medicare Part B, your coinsurance is currently 20 percent. Depending on the condition you are treated for, that can still amount to many thousands of dollars. People get Medicare supplement insurance to avoid suddenly being on the hook for huge amounts of money like that. That said, not everyone will find that they really need Medigap health insurance. This is simply because not everyone will have an expensive condition to treat, even in advanced age. Because of this, it is common for people to evaluate their need for it based on a few factors. One is their current general health. Someone who is "as healthy as a horse" is relatively safe in not adding Medigap coverage. Meanwhile, a person who is frail, feels generally unhealthy, or already has an ongoing condition will likely find it worth it to add the extra protection. A feeling of general unwellness or lack of strength is a warning bell that something expensive may well be coming up, so buying Medicare supplement insurance is a good bet in these cases. After a certain age, Medicare supplement insurance is always a good idea. That's because no matter what we do, human bodies eventually develop problems. While some manage to make it through life with no lingering illness, it's more common for costs to mount near the end. Then, having extra coverage not only protects you from financial worry, but saves your heirs from dealing with lingering bills. Since you never know what will happen in your last few years, getting plenty of health insurance is a good idea.

Understanding the Importance of Long-Term Care Planning can provide FREEDOM and PEACE OF MIND. Over 50% of seniors age 65 or older will need Long-Term Care/extended care. Ask us about Asset-Based Long-Term Care Insurance policies from OneAmerica. Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics Long-Term Care Insurance Buyer's Guide U.S. Government Website for Long-Term Care 2019 Cost of Care Survey by Genworth Financial Long Term Care U.S. Department of Health and Human Services - longtermcare.gov When Does Medicare Pay for Long-term Care Services? Understanding the Importance of Long Term Care Planning Long Term Care Insurance Video from AIG LTC Planning Resources Long Term Care Insurance Cost of Care from State to State Long-Term Care Insurance Most people don't know what long-term care is until they or someone they love need it... What is Long Term Care? Long term care is the care you may need if you are unable to perform daily activities on your own. That means things like eating, bathing, dressing, transferring and using the bathroom. The goal of long term care is to help you maintain your lifestyle as you age. Medicare, Medicare supplement insurance, and health insurance you may have at work usually won’t pay for long term care. Request Free Info Why Would You Need Long Term Care? A need for long term care may result from accidents, illnesses, advancing aging, stroke, or other chronic conditions. Unlike traditional health insurance, Long-Term Care Insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility. Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating. You can select a range of care options and benefits that allow you to get the services you need, where you need them. The cost of your long-term care policy is based on: How old you are when you buy the policy The maximum amount that a policy will pay per day The maximum number of days (years) that a policy will pay The maximum amount per day times the number of days determines the lifetime maximum amount that the policy will pay. Any optional benefits you choose, such as benefits that increase with inflation If you are in poor health or already receiving, long-term care benefits you may not qualify for long-term care insurance as most individual policies require medical underwriting. In some cases, you may be able to buy a limited amount of coverage, or coverage at a higher “non-standard” rate. Some group policies do not require underwriting. People are living longer than ever before. But as you age, the chance that you’ll need help to manage a chronic illness or disability also increases. In fact, according to the U.S. government, almost 70% of those 65 and over will require some type of long-term care. While private health insurance and Medicare will help pay hospital and doctor bills, they won’t typically cover the costs associated with extended in-home or nursing facility care, which, at $40,000-$80,000 per year, can quickly run through your personal savings. See how long-term care insurance can help protect your nest egg and save you from becoming a burden on loved ones. Ways to Pay for Long-Term Care if You Can't Afford Insurance Open a health savings account . Workers who have qualified high-deductible health insurance plans can open a health savings account , or HSA, to pay for future long-term care costs. In 2018, individuals can deposit up to $3,450 in tax deductible contributions to an HSA . Those with family insurance plans can deduct up to $6,850 in contributions. What's more, those age 55 and older can contribute an additional $1,000 to their account. Money in an HSA rolls over from year to year, and withdrawals are tax-free if used for qualified health care expenses, including long-term care and long-term care insurance premiums. Read: Medicare Premiums Increase for Many Retirees in 2021 . If eligible, take advantage of veteran benefits. When my grandmother needed long-term care, our family turned to the U.S. Department of Veterans Affairs. Veterans who have served in qualified periods of conflict, as well as their spouses, are entitled to receive financial aid, known as the Veterans Affairs Aid and Attendance, or A&A benefit , to pay for long-term care. "It's a great benefit most people don't know about,". Once you've been approved for a Veterans Affairs pension, apply for the benefit by writing to your Pension Management Center. Medicaid. When all other options are exhausted, the government will help pay long-term care costs, but not in the way many people expect. "A lot of people think Medicare will pay, and it doesn't, While Medicare will pay for some nursing home care after a hospitalization, that coverage is limited . "After 100 days, [Medicare beneficiaries] are totally on their own." However, Medicaid will pay for ongoing long-term care needs. The catch is that a person must deplete almost all financial resources first. Medicaid eligibility varies by state, but typically seniors can't have more than $2,000 in liquid assets. While many states exclude one vehicle, principal residences and small life insurance policies from their Medicaid eligibility criteria, estate recovery laws allow for these assets to be seized after a senior's death to reimburse the government for the cost of a person's care. I believe one of the biggest drawbacks of using Medicaid to pay for long-term care is the fact that not every facility accepts Medicaid patients and only traditional nursing homes are covered. "The thing with Medicaid [is] you don't get to choose [where to live], and assisted living is not an option," she says. Regardless of how you plan to pay for long-term care, experts urge people to write down their wishes and share them with family members. Otherwise, relationships can be irreparably damaged as children and other relatives grapple with how to take care of an ailing loved one. "I see that happen a lot with my clients, It can get really ugly, really fast." [See: 10 Ways to Make the Most of Medicare .] Long-term care costs will be a reality for many Americans, but you have options. Determine what works best for you and your family long before it's time to make tough decisions about where and how long-term care will be provided. Types of Long-Term Care Insurance Traditional Long Term Care Insurance Hybrid Long Term Care Insurance

Marketplace Certified for the 7th year. We offer Top Rated 2020 Individual & SHOP Health Insurance Plans. Find The Best Plan & Save! Choose Your Deductible, Max-out-of-Pocket, Coinsurance, Co-Pays, & Get a Customized Plan Recommendation. Call now to Speak With a trained/certified Agent. Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics 2023 Plan Year Health Insurance Marketplace Open Enrollment - November 1 - January 15, 2024 Agents and brokers sell plans on behalf of insurance companies. It is Our 11th Year of Service providing Marketplace Health Insurance to individuals & businesses in Tampa Bay. Health Insurance Marketplace Special Enrollment Period If you qualify for a Special Enrollment Period due to a life event like losing other coverage, getting married, or having a baby. Marketplace Health Insurance Need Individual Health Insurance or a Group Health Insurance Plan? 2023 Open Enrollment - Nov 1, 2023 - Jan 15, 2024 Request a Quote or Call (813) 995-2821 Marketplace Health Insurance A service that helps people shop for and enroll in affordable health insurance. The federal government operates the Marketplace, available at HealthCare.gov , for most states. Some states run their own Marketplaces. The State of Florida uses the Federally Facilated Marketplace or Healthcare.gov . The Health Insurance Marketplace (also known as the “Marketplace” or “exchange”) provides health plan shopping and enrollment services through websites, call centers, and in-person help. Small businesses can use the Small Business Health Options Program (SHOP) Marketplace to provide health insurance for their employees. When you apply for individual and family coverage through the Marketplace, you’ll provide income and household information. You’ll find out if you qualify for: Premium tax credits and other savings that make insurance more affordable Coverage through the Medicaid and Children’s Health Insurance Program (CHIP) in your state On HealthCare.gov , you may be asked to select your state or enter your ZIP code. If you live in a state that runs its own Marketplace, we’ll send you to your state’s Marketplace website. Are you eligible to use the Marketplace? To be eligible to enroll in health coverage through the Marketplace, you: Must live in the United States. Must be a U.S. citizen or national (or be lawfully present). Learn about eligible immigration statuses. Can't be incarcerated . If you have Medicare coverage, you’re not eligible to use the Marketplace to buy a health or dental plan. Learn more about Medicare and the Marketplace. Ask us about Short Term Medical Insuance from UnitedHealthOne/Golden Rule Insurance Company Arthur Kempton , 2020 - 2022 Circle of Champions, Digital Award Certificate ACA Yearly Income Calculator - Use this calculator to calculate your yearly income. 2020 ACA Yearly Guidelines & Thresholds Request a Quote or Call (813) 995-2821

These plans (sometimes called "PDPs") offer prescription drug coverage to everyone with Medicare Part A or B. A Medicare Advantage Plan (Part C), like an HMO or PPO, or other Medicare health plan that offers Medicare prescription drug coverage. Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics Resources that will SAVE You Money$ on your Prescription Medications GoodRx Discount Card Honey Bee Pharmacy SSA.gov - Apply Online for Extra Help with your Medicare Prescription Drug Costs Medicare.gov - Offical U.S. Government Website for Medicare What is a Medicare Prescription Drug Plan? Medicare Part D, the prescription drug benefit, is the part of Medicare that covers most outpatient prescription drugs. Part D is offered through private companies either as a stand-alone plan, for those enrolled in Original Medicare, or as a set of benefits included with your Medicare Advantage Plan. Click Here for a Review of your Medications! 2023 Federal Medicare Part D Standard Cost-Sharing 2022 Federal Medicare Part D Standard Cost-Sharing Extra Help with your Medicare Prescription Drug Costs Extra Help is a federal program that helps pay for some to most of the out-of-pocket costs of Medicare prescription drug coverage. It is also known as the Part D Low-Income Subsidy (LIS) . What help can I receive? Medicare beneficiaries can qualify for Extra Help with their Medicare prescription drug plan costs. The Extra Help is estimated to be worth about $4,900 per year. To qualify for the Extra Help, a person must be receiving Medicare, have limited resources and income, and reside in one of the 50 States or the District of Columbia. Find Help for your Prescribed Medications @ NeedyMeds.org Rx Assist - Patient Assistance Program Center Lower your Prescription Drug Costs

A Medicare Advantage plan, also known as "Medicare Part C," is one that is run by private insurers that have been authorized by Medicare. It combines Medicare Parts A and B into a unified plan. Like health insurance for younger people, it comes with variations like HMO and PPO. Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics 2020 Medicare Costs 2019 Medicare Costs Medicare Advantage HMO Plans Medicare Advantage PPO Plans Medicare Advantage Private-Fee-For-Service Plans (PFFS) Medicare Advantage Special Needs Plans (SNP) Medicare & Other Health Benefits Your Guide to Who Pays First What is a Medicare Advantage Plan? Request FREE Information. Click Here...or Call (813) 995-2821 Learn why people are switching to Medicare Advantage plans. Medicare Advantage – The All-In-One Medicare Plan Medicare Advantage (Part C) plans combine hospital, doctor and often prescription drug coverage into one single plan. They typically include additional benefits and features such as: Low monthly premium, some as low as $0 Free preventive/comprehensive dental and eye exams plus eye wear coverage /allowance Routine hearing exam and hearing aid coverage/allowance Free gym membership at locations near you with Silver Sneakers/Renew Active/Silver-n-Fit Monthly/Q uarterly Allowance for Over-the-Counter Items; Vitamins, Bandaids, Aspirin, etc. What is Medicare Advantage? There are many versions, or "parts," of Medicare. Which one you're on determines your benefits, who pays for them, and related things. A Medicare Advantage plan, also known as "Medicare Part C," is one that is run by private insurers that have been authorized by Medicare. It combines Medicare Parts A and B into a unified plan. Like health insurance for younger people, it comes with variations like HMO and PPO. One of the reasons to sign up for this type of plan is convenience. It covers everything that Medicare normally would, but streamlines things so you don't have to keep track of different parts, insurers, and other details. You can expect to get coverage for doctor and hospital visits, prescription costs, vision, dental, and more. Since there are variations, such as the Medicare Advantage PPO plan, you will need to do some thinking to decide on which one to sign up for. Typically, with PPO (a Preferred Provider Organization), you have a choice of fully-covered in-network doctors and a full selection of out-of-network doctors. The coverage for in-network doctors and hospitals is usually much greater than it is for out-of-network providers. Therefore, it is important to make sure that all of your favorite healthcare providers are in-network for the plan you're considering. It's usually worth it to get a more-expensive plan if that's what it takes to ensure that your favorite providers are eligible for in-network pricing. Most people prefer PPOs to HMOs because t he latter are far more restrictive. An HMO usually won't cover out-of-network providers at all. This is a hassle in any case, but if you're hospitalized, it's especially negative. Hospitals often have outside professionals join in on your health care, and these might not all be in-network. Choosing a PPO limits your financial liability for their services. We Represent the following carriers: AARP Medicare Advantage by UHC Aetna Medicare BayCare Plus Bright Health CarePlus Cigna Healthspring Coventry FloridaBlue Medicare Humana Medicare Silverscript Wellcare UnitedHealthcare Medicare Solutions

Compare medicare advantage plans in Tampa Bay and get local guidance. Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics Medicare & You: The "Official" U.S. Government Handbook for Medicare. This document is revised each year. 2019 Medicare Costs 2020 Medicare Costs 2021 Medicare Costs 2022 Medicare Costs 2023 Medicare Costs 2024 Medicare Costs 2025 Medicare Costs 2026 Medicare Costs Medicare Advantage HMO Plans Medicare Advantage PPO Plans Medicare Advantage Private-Fee-For-Service Plans (PFFS) Medicare Advantage Special Needs Plans (SNP) Medicare & Other Health Benefits Your Guide to Who Pays First Click Here to Request Free Information! What is a Medicare Advantage Plan? The All-In-One Medicare Plan "Medicare Advantage Plans (Part C)" - combine hospital, doctor and prescription drug coverage into one single plan that include Extras; Dental, Vision, Hearing, Fitness Membership, Over-the-counter-Items (OTC), Telemedicine and more... They typically include additional benefits and features such as: Low monthly Plan premium, some plans as low as $0 Free preventive/comprehensive dental and eye exams plus eye wear coverage/allowance Routine hearing exam and hearing aid coverage/allowance Free gym membership at locations near you with Silver Sneakers/Renew Active/Silver-n-Fit Monthly/Q uarterly Allowance for Over-the-Counter Items; Vitamins, Bandaids, Aspirin, etc. 2025 Medicare Costs Here’s why considering a Medicare Advantage plan could be a game-changer for your health and financial well-being: 1 . **Comprehensive Coverage**: These plans are designed to cover a wide array of services, including routine check-ups, emergency care, hospital stays, and preventive services, ensuring that you have access to the crucial healthcare you need. 2. **Cost-Effective Structure**: Many Medicare Advantage plans carry a low or even $0 monthly premium, allowing you to maximize your savings. However, you still need to pay your Medicare Part B premium, making it essential to factor this into your financial planning. 3. **Direct Access to Quality Providers**: With a focus on coordinated care, many plans utilize a network of providers, which not only helps keep costs down but also ensures that you receive high-quality care from professionals who work closely together. 4. **Financial Protection with Out-of-Pocket Maximums**: Unlike traditional Medicare, Medicare Advantage plans feature an annual out-of-pocket maximum, offering you peace of mind knowing that your healthcare expenses will be limited. 5. **Enhanced Prescription Drug Coverage**: Many plans include robust prescription drug benefits, tailored to meet your specific medication needs. Before choosing a plan, be sure to verify that your prescriptions are covered and understand the associated costs. 6. **Strategic Enrollment Timing**: Take advantage of the Annual Enrollment Period from October 15 to December 7 when you can select or change your Medicare Advantage plan. You may also qualify for special enrollment periods based on certain life events. Our Medicare Specialists Do All the Hard Work and Research so you can Relax... You can get your Medicare benefits through Original Medicare, or a Medicare Advantage Plan (like an HMO or PPO ). If you have Original Medicare, the government pays for Medicare benefits when you get them. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare. Medicare pays these companies to cover your Medicare benefits. If you join a Medicare Advantage Plan, the plan will provide all of your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage. Some Medicare Advantage Plans we offer are $0 premium per month and include extras; Dental, Vision, Hearing, Fitness Membership, and Over-the-Counter-Items. Please keep in mind that you must continue to pay your Medicare Part B premium each month. Your Medicare Part B premium is automatically deducted from your Social Security Retirement Benefi ts check each month. SEE 2026 Medicare Costs . If you HAVE NOT elected to take your Social Security Retirement Benefits you will be invoiced quarterly for the Medicare Part B premium. The Standard 2026 Part B Premium = $202.90/mo

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