Our Health Insurance Products & Services
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Health Insurance Built Around You
Medicare Supplement Plans
Medicare Advantage Plans
Medicare Part D Plans
Personal Health Insurance
Long Term Care
Dental, Vision & Hearing
Medicare Supplement Plans
Medicare Supplement plans, also known as Medigap, are insurance policies you can purchase from private companies to help cover the “gaps” in Original Medicare (Parts A and B). These plans can help pay for out-of-pocket costs such as copayments, coinsurance, and deductibles that Original Medicare doesn’t cover. By enrolling in a Medigap plan, you can potentially lower your overall healthcare expenses and have greater peace of mind knowing you have additional financial protection.
There are several standardized Medigap plans available, each designated by a letter (A, B, C, D, F, G, K, L, M, and N). Each plan offers a different set of benefits, so it’s important to compare and choose the one that best suits your individual needs and budget.
Medicare Advantage Plans
Medicare Advantage plans, also known as Part C, are an alternative way to receive your Medicare benefits. These plans are offered by private insurance companies that contract with Medicare to provide you with all of your Part A (hospital insurance) and Part B (medical insurance) benefits. Most Medicare Advantage plans also include prescription drug coverage (Part D) as part of the plan.
By choosing a Medicare Advantage plan, you may have access to additional benefits that Original Medicare doesn’t cover, such as vision, dental, hearing, and wellness programs. These plans often have a network of providers that you’ll need to use to get the most out of your benefits.
Medicare Part D Plans
Medicare Part D plans provide prescription drug coverage to help you pay for the medications you need. These plans are offered by private insurance companies and can be added to Original Medicare (Parts A and B) or included as part of a Medicare Advantage plan (Part C).
By enrolling in a Part D plan, you can access a wide range of prescription drugs at more affordable prices. Each plan has its own formulary, which is a list of covered drugs, and different cost-sharing structures, such as copayments and deductibles. It’s important to compare plans and choose one that covers the medications you take and fits your budget.
Personal Health Insurance Plans
Personal health insurance, also known as individual health insurance, is a policy you purchase on your own to cover your medical expenses. These plans are designed for individuals and families who don’t have access to employer-sponsored coverage or other group health insurance options.
Personal health insurance plans offer a variety of benefits, including coverage for doctor visits, hospital stays, prescription drugs, preventative care, and more. The specific benefits and costs can vary depending on the plan you choose and your individual needs.
If you’re looking for health insurance for yourself or your family, we can help you explore the different personal health insurance options available and find the plan that best suits your budget and healthcare needs.
Long-Term Care Insurance
Long-term care insurance is designed to help cover the costs of care you may need if you become unable to perform daily activities due to aging, illness, or disability. This type of care can include services like nursing home care, assisted living, adult day care, and in-home care.
Long-term care insurance can provide financial protection and peace of mind, knowing you have resources to cover these expenses, which can be quite significant. It can also help preserve your assets and savings for your loved ones.
If you’re concerned about the potential costs of long-term care and want to ensure you have the necessary resources to cover these expenses, long-term care insurance might be a good option for you. We can help you understand the different types of policies available and find one that fits your needs and budget.
Dental, Vision & Health
Dental, vision, and hearing insurance plans provide coverage for services not typically covered by standard medical insurance. These plans help you maintain your oral health, vision, and hearing by covering routine exams, cleanings, treatments, and corrective devices.
Having dental, vision, and hearing insurance can significantly reduce your out-of-pocket costs for essential services. It can also help you catch and address potential issues early on, potentially preventing more serious problems down the line.
If you’re looking to add dental, vision, and hearing coverage to your insurance portfolio, we can help you explore the various plans available and find one that best suits your needs and budget.
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Join us at Healthcare Solution Benefits, Inc. as we journey towards better insurance solutions together. We're here to navigate your coverage needs with care, integrity, and personalized solutions just for you. Whether you're exploring policy options, need assistance with claims, or seeking expert advice, our dedicated team is by your side every step of the way. Let's collaborate to ensure you find peace of mind.