PLANS WE OFFER
OUR PARTNER CARRIERS
- United Healthcare
- Humana
- Aetna
- Cigna / HealthSpring
- Devoted
- Geisinger
- Highmark
- Independence Blue Cross
- Capital Blue Cross
- Jefferson
- UPMC
- Wellcare
- Clover Health
- Horizon Blue Cross Blue Shield of NJ
- Physicians Mutual
- National Care Dental
- Delta Dental
- Guarantee Trust Life
MEDICARE ADVANTAGE PLANS
A Medicare Advantage plan (Part C) is an all-in-one alternative to Original Medicare offered by private insurance companies and approved by Medicare. These plans typically include hospital and medical coverage, prescription drug benefits, and often extra services like dental, vision, hearing, fitness programs, and wellness benefits. Medicare Advantage plans often offer low monthly premiums and use provider networks and copayments.
MEDICARE SUPPLEMENT PLANS
A Medicare Supplement plan, also known as Medigap, works alongside Original Medicare to help pay for out-of-pocket costs such as deductibles, copayments, and coinsurance. These plans are offered by private insurance companies, allow you to see any doctor who accepts Medicare nationwide, and do not require provider networks or referrals. Medigap plans provide predictable costs but do not include prescription drug coverage.
PRESCRIPTION DRUG PLANS
Medicare Prescription Drug Plans (Part D) help cover the cost of prescription medications and are offered by private insurance companies approved by Medicare. These plans work alongside Original Medicare or a Medicare Supplement plan and help reduce out-of-pocket drug costs through covered formularies, pharmacies, and cost-sharing rules.
DUAL ELIGIBLE SPECIAL NEEDS PLANS
Dual Special Needs Plans (D-SNPs) are Medicare Advantage plans created specifically for people who qualify for both Medicare and Medicaid. These plans coordinate benefits between the two programs to help reduce out-of-pocket costs and simplify care. D-SNPs typically include prescription drug coverage and may offer extra benefits such as care coordination, transportation, dental, vision, and additional support services tailored to individual needs.
CHRONIC SPECIAL NEEDS PLANS
Chronic Special Needs Plans (C-SNPs) are Medicare Advantage plans designed specifically for individuals living with certain chronic or disabling health conditions, such as diabetes, cardiovascular disorders and chronic lung disease. These plans focus on coordinated, condition-specific care and typically include prescription drug coverage, access to specialized providers, and benefits tailored to help manage long-term health needs. C-SNPs often offer enhanced care management, disease-specific programs, and additional services aimed at improving health outcomes while helping to lower overall out-of-pocket costs. Eligibility is based on having a qualifying chronic condition and meeting Medicare requirements.
Dental, Vision, and Hearing Plans
Dental, vision, and hearing plans help cover important routine and preventive services that are not typically included with Original Medicare. These plans may help pay for dental cleanings, exams, fillings, crowns, eye exams, glasses or contacts, and hearing exams and hearing aids.
HOSPITAL INDEMNITY INSURANCE
Hospital Indemnity Insurance provides cash benefits that are paid directly to you for covered hospital stays and related services. This coverage helps offset out-of-pocket costs such as deductibles, copayments, and everyday expenses that Medicare or other insurance may not fully cover. Hospital indemnity insurance is designed to supplement your existing health coverage, offering added financial protection and peace of mind during a hospital stay or recovery period.
