Today people usually fall into one of two categories: People with Medicare and People who are not qualified for Medicare.
If you have Medicare and are not covered under a group, union or veterans plan, you will need to choose between Original Medicare and Medicare Advantage.This choice will determine what other types of benefits you are eligible for and how much financial responsibility you have. For more information about Medicare plan types and benefits, call or visit our Medicare Page.
Unless you have an exemption, the Affordable Care Act now requires all citizens to carry health insurance. Subsidies are available for those individuals with low incomes. The subsidies will lower the premium and the deductibles. You must buy the insurance through healthcare.gov to be eligible for the subsidy. There are tax penalties for those who do not comply with the law. For more information and to see if you qualify for a subsidy, call us at
How will you pay for the high deductibles and the 20% under Obamacare? There are a variety of Gap insurance plans available to cover the costs. We are now offering a new Gap policy that pays better than any of the plans we have previously had. We encourage you to give us a call to see how affordable this Gap coverage can be for you and your family.
Gap insurance is now available as to employee groups. Medical underwriting may not apply in some cases. If there is someone on Medicare in the group, they may be eligible for better benefits and a lower premium if they are taken off the group plan and enrolled in an individual Medigap plan. This can result in huge savings for the employer and the employee. We recently helped many AT&T retirees who lost there group benefits obtain a Medigap insurance policy.
Call us! We are here to help. These plans can be very complex and it pays to have the help of an independent broker to guide you through the process. We can arrange a meeting at our office or in the comfort of your own home. Call