top of page

Medicare Planning Services

Filling Out a Form

Medicare Retireflo form

This is the Medicare Survey and Intake to request assistance for those who would like assistance with reviewing plan options based on actual provide and Rx details or for those wanting to update their providers and medications on file. 

To browse Medicare plans in your area,

click here. 

​

We'll walk you through the sometimes confusing maze of Medicare and aim to uncomplicate things for you. Through education and guidance, we develop a person-centered Medicare plan review based on a needs analysis when we schedule a time to gather important information about your care and coverage needs. From there, we will make plan recommendations and help you enroll in the best-suited Medicare bundle of protection prepared uniquely for your needs. 

Learning to use smartphone
Meeting Room Business

Medicare Supplemental Plans
 

Medicare Supplemental Plans, also known as Medigap, are insurance policies offered by private companies to cover the “gaps” in Original Medicare (Parts A and B). These plans help pay for out-of-pocket costs such as copayments, coinsurance, and deductibles that Medicare doesn’t cover.

​

  • Plan A: Basic benefits.

  • Plan B: Basic benefits plus the Medicare Part A deductible.

  • Plan C: Comprehensive coverage (not available to new enrollees).

  • Plan D: Basic benefits plus additional coverage for foreign travel emergencies.

  • Plan F: Comprehensive coverage with a high-deductible option (not available to new enrollees).

  • Plan G: Similar to Plan F but without the Part B deductible.

  • Plan K: Lower premiums with higher out-of-pocket costs.

  • Plan L: Moderate premiums with moderate out-of-pocket costs.

  • Plan M: Covers 50% of the Medicare Part A deductible.

  • Plan N: Lower premiums with reduced Part B coinsurance.

 

Each plan offers different levels of coverage, so it’s important to compare them based on your healthcare needs and budget.

Additional Supplemental Benefits 

Happy Woman

Part C Medicare Advantage Plans

 

Medicare Advantage Plans, also known as Medicare Part C, are offered by private companies approved by Medicare. These plans provide all the benefits of Original Medicare (Part A and Part B) and often include additional coverage such as prescription drugs (Part D), vision, hearing, dental, and wellness programs.

​

  • Comprehensive Coverage: Includes hospital (Part A) and medical (Part B) insurance, often with added benefits.

  • Network Restrictions: Many plans require you to use a network of doctors and hospitals.

  • Cost Structure: Plans may have different out-of-pocket costs and premiums compared to Original Medicare.

  • Additional Benefits: Often include extra services like vision, hearing, dental, and fitness programs.

  • Prescription Drug Coverage: Many plans include Part D coverage for prescription drugs.

​

Medicare Advantage Plans can be a good option if you’re looking for more comprehensive coverage and are comfortable with the network restrictions

Looking for Medicine
Business Meeting

Part D Prescription Drug Coverage 
 

Medicare Part D, also known as Prescription Drug Coverage, helps cover the cost of prescription drugs. This coverage is optional and is provided through private insurance companies approved by Medicare.

 

 Other Medicare coverage options may be recommended to help strengthen your coverage and fill gaps in care and health-related cost risk. 

Additional Supplemental Benefits
 

Medicare Advantage Plans (Part C) often come with additional supplemental benefits that go beyond what Original Medicare offers.

​

  1. Vision Care: Coverage for routine eye exams, glasses, and contact lenses.

  2. Hearing Care: Coverage for hearing exams and hearing aids.

  3. Dental Care: Coverage for routine dental exams, cleanings, fillings, and sometimes more extensive dental work.

  4. Fitness Programs: Access to fitness programs like SilverSneakers, which may include gym memberships and fitness classes.

  5. Over-the-Counter (OTC) Items: Allowances for purchasing OTC medications and health-related items.

  6. Telehealth Services: Access to virtual doctor visits and telemedicine services.

  7. Transportation: Coverage for transportation to and from medical appointments.

  8. Meal Delivery: Meal delivery services following a hospital stay.

  9. Wellness Programs: Programs focused on health and wellness, such as smoking cessation or weight management programs.

​

These additional benefits can vary significantly between different Medicare Advantage Plans, so it’s important to compare plans based on your specific needs and preferences.

Aromatherapy
Holding Hands

Cancer and Critical Care Plans 

​

Cancer and critical care insurance plans are designed to provide financial support in the event of a serious illness, such as cancer or other critical conditions. These plans can help cover the costs of treatment, recovery, and other related expenses that may not be fully covered by standard health insurance.

​

Cancer Insurance Plans

  1. Lump-Sum Benefit: Provides a one-time payment upon diagnosis of cancer, which can be used for any purpose, such as medical bills, travel for treatment, or household expenses.

  2. Coverage for Various Cancer Types: Includes coverage for different types of cancer, from early-stage to advanced.

  3. Supplemental Coverage: Works alongside your existing health insurance to cover additional costs.

  4. Wellness Benefits: Some plans offer benefits for preventive screenings and early detection.

​

Critical Care Insurance Plans

  1. Comprehensive Coverage: Covers a range of critical illnesses, such as heart attack, stroke, kidney failure, and major organ transplants.

  2. Lump-Sum Payment: Similar to cancer plans, these provide a lump-sum payment upon diagnosis of a covered condition.

  3. Flexible Use of Funds: The benefit can be used for medical expenses, rehabilitation, or even daily living expenses during recovery.

  4. Additional Benefits: Some plans may include benefits for hospital stays, surgeries, and follow-up treatments.

​

Considerations When Choosing a Plan

  • Policy Terms: Understand the specific illnesses covered and any exclusions.

  • Benefit Amount: Choose a benefit amount that aligns with your financial needs and potential medical costs.

  • Premium Costs: Compare premiums and ensure they fit within your budget.

  • Waiting Periods: Be aware of any waiting periods before coverage begins.

Home Health Plans 
 

Home health plans are designed to provide medical care and support services to individuals in their own homes. These plans can be particularly beneficial for those recovering from an illness or surgery, managing chronic conditions, or needing assistance with daily activities.

​

Types of Services Covered

  1. Skilled Nursing Care: Includes services provided by registered nurses, such as wound care, medication administration, and monitoring of vital signs.

  2. Physical, Occupational, and Speech Therapy: Helps patients regain mobility, improve daily functioning, and address speech or swallowing issues.

  3. Home Health Aides: Assist with personal care needs like bathing, dressing, and grooming.

  4. Medical Social Services: Provide counseling and help with accessing community resources.

  5. Homemaker Services: Support with household tasks such as meal preparation, cleaning, and laundry.

  6. Medical Equipment and Supplies: Coverage for necessary medical equipment like wheelchairs, walkers, and oxygen supplies.

​

Benefits of Home Health Plans

  • Comfort and Convenience: Receiving care at home can be more comfortable and convenient than staying in a hospital or nursing facility.

  • Personalized Care: Care plans are tailored to the individual’s specific needs and preferences.

  • Cost-Effective: Home health care can be more affordable than inpatient care, reducing overall healthcare costs.

  • Improved Outcomes: Patients often experience better outcomes and faster recovery times when receiving care in a familiar environment.

​

Considerations When Choosing a Plan

  • Eligibility Requirements: Check if there are specific criteria for receiving home health services, such as a physician’s referral.

  • Coverage Limits: Understand what services are covered and any limitations or exclusions.

  • Provider Network: Ensure the plan includes a network of qualified home health providers.

  • Cost Sharing: Be aware of any copayments, deductibles, or out-of-pocket costs associated with the plan.

Cooking Together
Business meeting

Part C Gap Plans
 

Medicare Supplement Plan C, also known as Medigap Plan C, is designed to cover many of the out-of-pocket costs that Original Medicare (Part A and Part B) does not cover.

​

Key Features of Medigap Plan C

  1. Comprehensive Coverage: Plan C covers most of the gaps in Original Medicare, including:

    • Medicare Part A deductible

    • Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up

    • Medicare Part B deductible

    • Medicare Part B coinsurance or copayment

    • First three pints of blood

    • Part A hospice care coinsurance or copayment

    • Skilled nursing facility care coinsurance

    • Foreign travel emergency (up to plan limits)

  2. Eligibility: Plan C is not available to new Medicare enrollees who became eligible for Medicare on or after January 1, 2020. However, if you were eligible for Medicare before this date, you may still be able to enroll in Plan C.

  3. Cost Sharing: Plan C helps reduce your out-of-pocket spending by covering many of the costs that Original Medicare does not, making it a good option for those who want more predictable healthcare expenses.

​

Considerations When Choosing Plan C

Hospital Employees

Hospital Indemnity Plans

​

Hospital indemnity insurance is a type of supplemental insurance designed to provide financial support during hospital stays.

​

Key Features of Hospital Indemnity Plans

  1. Fixed Benefit Payments: These plans pay a predetermined benefit amount directly to you for each day you spend in the hospital, regardless of the actual cost of care.

  2. Flexible Use of Funds: The benefit can be used for any expenses, including medical bills, deductibles, coinsurance, transportation, medications, rehabilitation, or even household expenses like groceries and childcare.

  3. No Network Restrictions: Unlike traditional health insurance, hospital indemnity plans do not have network restrictions, allowing you to receive care from any hospital or provider.

  4. Coverage for Various Hospital Services: These plans typically cover hospital admissions, intensive care, critical care, and sometimes outpatient surgeries and emergency room visits.

​

Benefits of Hospital Indemnity Plans

​

Considerations When Choosing a Plan

  • Premium Costs: Compare the monthly premiums and ensure they fit within your budget.

  • Benefit Amount: Choose a benefit amount that aligns with your potential hospital expenses.

  • Policy Terms: Understand the specific terms, including any exclusions or limitations.

Senior Woman with Glasses

Senior Dental/Vision Plans 
 

Senior dental and vision plans are designed to address the specific needs of older adults, providing coverage for routine and specialized care.

​

Top Dental and Vision Plans for Seniors

  1. Spirit Dental

  2. Humana Dental

  3. Aetna Dental

  4. Cigna Dental

  5. Delta Dental

  6. UnitedHealthcare Dental

​

Considerations When Choosing a Plan

  • Coverage Limits: Look for plans with high annual maximums and low deductibles.

  • Network Availability: Ensure the plan has a wide network of providers in your area.

  • Waiting Periods: Some plans have no waiting periods for preventive care, which can be beneficial.

  • Cost: Compare premiums and out-of-pocket costs to find a plan that fits your budget.

TV camera

Accidental Coverage 

​

Accidental coverage, often referred to as accidental death and dismemberment (AD&D) insurance, provides financial protection in the event of serious injury or death caused by an accident. 

​

Key Features of Accidental Coverage

  1. Lump-Sum Benefit: Provides a lump-sum payment if the insured person dies or suffers a severe injury due to an accident. This can include loss of limbs, sight, hearing, or speech.

  2. Coverage for Various Accidents: Includes coverage for accidents that occur at home, work, or while traveling.

  3. Supplemental Coverage: Often used to supplement life insurance and health insurance, filling in gaps that those policies might not cover.

  4. No Medical Exam Required: Typically, no medical exam is needed to qualify for AD&D insurance, making it accessible to more people.

​

Benefits of Accidental Coverage

  • Financial Security: Provides financial support to cover medical expenses, rehabilitation costs, and other related expenses.

  • Peace of Mind: Offers peace of mind knowing that there is financial protection in place for unexpected accidents.

  • Affordable Premiums: Generally, AD&D insurance premiums are lower compared to other types of insurance.

​

Considerations When Choosing a Plan

  • Policy Terms: Understand the specific terms and conditions, including what types of accidents are covered and any exclusions.

  • Benefit Amount: Choose a benefit amount that aligns with your financial needs and potential expenses.

  • Riders and Add-Ons: Some policies offer additional riders, such as coverage for specific types of accidents or increased benefits for certain injuries.

bottom of page