Medicare Supplements, also known as Medigap policies, are sold by private insurance companies to help you cover the out-of-pocket costs left behind by Medicare.

When you have a Medigap policy, Medicare pays up to its limit on your medical expenses. Then, your Medicare Supplement plan starts to help with covering costs up to the plans limit. That limit usually covers what Medicare didn't, however, that will depend on which policy you select.

Medicare Advantage, also known as Medicare Part C, is a plan provided by private insurance companies with the help from subsidies provided by the government so that the insurance company can design network based plans at a low or zero premium.

These plans are normally designed with copays and coinsurance throughout the plans as a form of cost share that the client would assume when joining one of these plans. Most plans will include additional benefits at no additional cost to you such as dental, vision, and/or hearing benefits as an example.

Annual Deductible — There is a $500-$700 deductible for Tier 3-5, and deductible is waived entirely for Tier 1 and 2 generic drugs.  Once you have satisfied your deductible, you begin the Initial Coverage Stage: During the Initial Coverage stage, you pay a copay for your medications based on your plan's formulary. You will continue to pay a discounted price for your medications until you have reached the Catastrophic Stage once your total drug cost hits $2,400 total out-of pocket, . Once you are in the Catastrophic Coverage stage, you will pay $0 for all covered Part D drugs for the rest of the year.

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Medicare has very limited dental coverage that is only meant to protect your general health in order for another Medicare-covered health service to go smoothly.
Normally Medicare will pay only if following cataract surgery that implants an intraocular lens. Following that specific surgery, Medicare Part B will help pay for corrective lenses, one pair of eyeglasses or one set of contact lenses provided by an ophthalmologist.

If you only have Original Medicare, it does not cover hearing aids. Part B does cover some hearing tests, such as diagnostic hearing and balance exams. You will have to go through your primary care provider for your initial screenings. Once they recommend that you need additional treatment, your Part B coverage will pay for a portion of the costs.

Final Expense insurance is a type of life insurance that helps seniors cover end-of-life bills, such as funeral expenses and healthcare.

If you don’t have a final expense life insurance plan in place for the one's that you care for the most, your loved ones will unfortunately be left with the responsibility of paying any remaining expenses. Funeral costs are expensive, and there are probably more costs than you were aware of.

Hospital Indemnity insurance, also called Hospitalization insurance or Hospital insurance, is a plan that pays you benefits when you are confined to a hospital, whether for planned or unplanned reasons, or for other medical services, depending on the policy.

These are specifically designed to help you fill gaps in your Medicare Advantage coverage by providing cash to help cover copays, coinsurance, deductibles, pharmacy prescriptions and other non-covered expenses that may arise from hospital stays and services.

Getting Extra help to subsidize your Medicare cost has never been easier! We do all of the work for you. The amounts you can receive every month can range between $203 - $603 every month. These benefits are waiting for you on a silver platter. We have people on standby to assist in getting you qualified and enrolled in the proper Medicare plan.