Medicare Insurance Made Easy
Take the stress and hassle out of shopping for
medicare insurance on your own.
Insurance Plans
We Offer
Your trusted partner in navigating life’s risks
Medicare Advantage Plans
- Low, and in most cases, zero premium.
- Cover medical expenses with low copayments
- Include drug coverage and extras
Medicare Supplement Plans
- Cover all Medicare-covered expenses, zero copayments
- Different coverage plans and premium prices
- Must get a separate Part D drug plan
Part D Drug Plans
- Cover drug costs with low copay
- Different coverage options and premiums
Dental Insurance Plans
- Covers all dental work, except cosmetic
- Short waiting periods
- Different coverage models at different premiums
Why Choose
The Insurance Guys?
We don’t work for the insurance companies.
We don’t work for the healthcare providers.
We work for YOU!
Our pledge: to provide you the best information available and the best ongoing client service as long as you are enrolled in one of our plans. And we are happy to provide honest and accurate information for those who are not enrolled through our team.
- Comprehensive Insurance Service Coverage
- Competitive Insurance Rates
What Our
Clients Say
Frequently Asked
Questions
What is the difference between an HMO and PPO health plan?
Health Maintenance Organization (HMO):
- Network: HMO plans require you to choose a primary care physician (PCP) and get referrals from them to see specialists. You must use healthcare providers and facilities within the HMO network except in emergencies.
- Costs: Generally, HMOs have lower premiums and out-of-pocket costs but less flexibility in choosing providers.
- Flexibility: Limited to in-network providers, with the exception of emergencies.
Preferred Provider Organization (PPO):
- Network: PPO plans offer more flexibility, allowing you to see any doctor or specialist without a referral. You can use both in-network and out-of-network providers, though staying in-network typically results in lower costs.
- Costs: PPOs usually have higher premiums and out-of-pocket costs compared to HMOs. However, they provide greater flexibility in choosing healthcare providers.
- Flexibility: You can see any doctor, including out-of-network providers, but usually at a higher cost if you go out of network.
How do I know which health insurance plan is right for me?
1. Assess Your Healthcare Needs:
- Frequency of Doctor Visits: If you visit doctors frequently or have ongoing health conditions, a plan with lower out-of-pocket costs (like a PPO or HMO with good coverage) may be beneficial.
- Preferred Doctors and Specialists: If you have specific doctors or specialists you want to keep seeing, check if they are in-network for the plans you’re considering.
- Prescription Medications: If you take prescription drugs regularly, ensure the plan covers your medications and compare co-payment costs.
2. Consider Your Budget:
- Monthly Premiums: Evaluate how much you can afford to pay each month. Plans with lower premiums might have higher deductibles and out-of-pocket costs.
- Deductibles and Out-of-Pocket Costs: Consider how much you’re willing to pay out-of-pocket before the insurance starts covering your expenses. If you have savings to cover higher upfront costs, a plan with a higher deductible might be more affordable overall.
- Copayments and Coinsurance: Look at the costs you’ll pay when you visit a doctor, get a prescription, or have a procedure. Plans with lower premiums might have higher coaapayments or coinsurance.
3. Evaluate Flexibility and Convenience:
- Need for Referrals: If you prefer seeing specialists without a referral, a PPO plan might be more convenient. If you’re okay with going through a primary care physician (PCP) for referrals, an HMO might work for you.
- Provider Network: Consider whether you’re okay with a smaller network of doctors and hospitals (like with an HMO) or if you need more flexibility to see out-of-network providers (available with a PPO).
- Traveling: If you travel frequently or live in multiple locations throughout the year, a PPO plan that offers out-of-network coverage might be more suitable.
When can i enroll?
For Medicare Advantage (MA)and Prescription Drug Plans:
The Annual Enrollment Period when every can sign up is October 15th to December 7th.
The Open Enrollment Period when MA clients can change to a different MA or back to Original Medicare is Jan. 1 to March. 31.
When you enroll in Medicare Part B you have three months to enroll in MA.
There are also special election periods for people who move into the area, lose existing coverage or have other significant events in their lives.
For Medicare Supplement :
You may enroll any time during the year.
In Florida, you can be accepted unconditionally during the first six months after you enroll in Medicare Part B.
After that you will have to answer medical questions.
Will I be pressured to enroll in something?
Absolutely not.
Under no circumstances will you be pressured. We will educate you on your options and you will decide whether or not to enroll.
Do I have to have a low income to enroll in Medicare Advantage?
No.
There are no income requirements for Medicare Advantage. To qualify you must have Medicare Part B, be entitled to Part A and live in the service area.
Give us a call if you need help determining your eligibility
Will I be rejected because of my pre-existing conditions?
No.
Medicare Advantage plans must admit anyone who has Medicare Parts A and B and live in the services area. Your conditions will be covered.
