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We take pride in offering a comprehensive range of insurance services designed to protect you and your loved ones at every stage of life. Our services encompass Life Insurance, ensuring that your family's financial future is secure in the event of the unexpected. We also provide Health Insurance options to guarantee access to top-quality healthcare when you need it most. For those navigating the complexities of Medicare, our expert advisors are here to guide you through the process, ensuring you make informed decisions about your healthcare coverage. With our unwavering commitment to providing peace of mind and security, we're dedicated to helping you safeguard your well-being and financial stability.
Protect Your Future With Comprehensive Insurance Coverage
Book time on my calendar below to discuss opportunities for you at LD Life and Health Agency.
Medicare Advantage
“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.”
Medicare covers many of your health care needs. Today’s Medicare is working with private companies approved by Medicare that provide different ways to get your healthcare and prescription drug coverage in the Medicare Program. The Medicare plan that you choose affects many things like cost, benefits, doctor choice, convenience, and quality. Your Medicare plan choices include:
The Original Medicare Plan
This is a fee-for-service plan that covers many healthcare services and certain drugs. You can go to any doctor or hospital that accepts Medicare. When you get your health care, you use your red, white, and blue Medicare card.
The Original Medicare Plan pays for many healthcare services and supplies, but it doesn’t pay all of your healthcare costs. There are costs that you must pay, like coinsurance, copayments, and deductibles. These costs are called “gaps” in Medicare coverage. You might want to consider buying a Medigap policy to cover these gaps in Medicare coverage. You can also add prescription drug coverage by joining a Medicare Prescription Drug Plan.
Medicare Advantage Plans – Available in many areas
If you have one of these plans, you don’t need a Medigap policy. These plans include:
Health Maintenance Organizations (HMO), Preferred Provider Organizations (PPO), Private Fee-for-Service Plans, Medicare Special Needs Plans, and Medicare Medical Savings Account Plans (MSA)
These plans may cover more services and have lower out-of-pocket costs than the Original Medicare Plan. Some plans cover prescription drugs. In some plans, like HMOs, you may only be able to see certain doctors or go to certain hospitals to get covered services. Call or email for more information on Medicare Advantage Plans.
Need Help Paying for Health Care Costs?
There are wide ranges of healthcare coverage choices that may help pay for some of your healthcare costs. These healthcare choices work with the benefits you have from Medicare. What you choose will affect how much you pay, what benefits you have, which doctors you can see, and other things that may be important to you. For more information about programs that may help pay for some of your healthcare costs, please call or email me today.
Medicare Advantage Plans – Available in many areas
This is a fee-for-service plan that covers many healthcare services and certain drugs. You can go to any doctor or hospital that accepts Medicare. When you get your health care, you use your red, white, and blue Medicare card.
The Original Medicare Plan pays for many healthcare services and supplies, but it doesn’t pay all of your healthcare costs. There are costs that you must pay, like coinsurance, copayments, and deductibles. These costs are called “gaps” in Medicare coverage. You might want to consider buying a Medigap policy to cover these gaps in Medicare coverage. You can also add prescription drug coverage by joining a Medicare Prescription Drug Plan.
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LD Life and Health Agency
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