Senior Care Insurance Services is an full service independent insurance agency specializing in Senior Insurance Solutions. We work with dozens of insurance companies so we can offer our clients appropriate coverage for them. Our clients are located all across South Carolina, giving us a great feel for the insurance landscape. We design plans with a focus on low costs, and proper benefit structure, which we combine with personalized insurance advice aimed at helping our clients make better-informed decisions.
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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.
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.
Qualifying for Extra Help will lower the cost of your Prescription Drugs as well as your Prescription Drug Plan or Medicare Advantage Plan premium. If you do not select a PDP (Prescription Drug Plan) or MA (Medicare Advantage Plan) a PDP will be chosen for you. This is not in your best interest.
A full Medicare Advantage Plan is better than a stand alone PDP, they actually have more drugs on their formularies as well as extra benefits like Dental, Vision, and much more.They are also cheaper most of the time.
A full Medicare Advantage Plan is better than a stand alone PDP, they actually have more drugs on their formularies as well as extra benefits like Dental, Vision, and much more.They are also cheaper most of the time.
Final expense needs are usually covered with a whole life insurance policy. The benefits of whole life insurance include a guaranteed level premium that can never be increased, guaranteed cash value and a guaranteed death benefit that can never be decreased. The cost of final expense coverage is very affordable, even if you have some health problems.
