Borshoff & Associates

Borshoff and Associates is owned and operated by Brian J. Borshoff, LUTCF. Brian has been an insurance agent for over 30 years. In 1989, Brian decided that he wanted to stop working for other insurance agencies, whose only goal seemed to be to just "close the deal", and opened his own insurance agency.

We can provide you with a wide array of products and services from a variety of respected insurance and benefits providers. We obtain and evaluate proposals from all available carriers. We can introduce and educate you or your family on the benefits. Our Agency offers a complete line of insurance products and services.

A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans.

A Medicare supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.

Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs.Then your Medigap policy pays its share.

Medicare offers prescription drug coverage to everyone with Medicare. If you decide not to join a Medicare Prescription Drug Plan when you're first eligible, and you don't have other creditable prescription drug coverage, or you don't get Extra Help, you'll likely pay a late enrollment penalty. To get Medicare drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare.