2651 McCormick Drive, Clearwater, FL 33759
1 (800) 845-2484
1 (727) 230-8362

Products

Medicare Supplement

Medicare supplement is exactly what it states:  supplemental insurance to Original Medicare. In order to obtain Medicare supplement insurance, you must have both Part A and Part B of Original Medicare. Medicare Supplement insurance is comprised of 10 Standardized plans in which you pay different premiums to the private carrier. Each plan is exactly the same with each and every carrier, the only difference is the cost. Medicare supplement only covers one individual, so if you and your spouse both need coverage, you will need two separate plans. Any standardized policy is guaranteed renewable even if you have health problem. The insurance company can’t cancel your policy as long as you pay the premium. Prior to 2006, some policies included Prescription Drug coverage. All policies after 2006 will require you to purchase a separate prescription drug plan.

Medicare Advantage

Medicare Part C or best known as Medicare Advantage 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.

If you’re enrolled in a Medicare Advantage plan, Medicare services are solely covered through the private company and aren’t paid for under Original Medicare. Medicare Advantage comprises a variety of private health plans, most often HMO’s (Health Maintenance Organization) and PPO’s (Preferred Provider Organization). Every plan must cover all the same benefits that traditional Medicare covers. But the plans can charge different co-payments and offer extra benefits. Many of the insurance companies that offer these plans charge a monthly premium in addition to the Part B premium, but some don’t.

Part D (Prescription Drug)

This is the part of the Medicare Program that covers Prescription Drugs. It is never provided directly through the government but instead through private insurance companies that have legal agreements with the government. If you want Part D, you must choose Part D coverage that works with your Medicare health benefits. If you have Original Medicare, choose a stand-alone Part D plan. Enrollment outside of your Open Enrollment is typically between Oct. 15th through Dec. 7th of each year, or Annual Enrollment Period (AEP).

Some Important information about Prescription Drug Plans:

Basic RGB

Life Insurance

Determining what you want your life insurance to cover is the first step to acquiring the right amount of coverage. Do you want it to cover Funeral Cost, mortgage payment, income replacement for your family, outstanding debt or college? Once you determine what you want your life insurance to cover, then we will work together to determine the type of coverage you need. Life insurance offers a variety of products, such as: Term, Final Expense (Burial), and Universal are just some of the many types available. We will work with you to determine the best plan for you and your family.

Dental Insurance

Because Original Medicare doesn’t cover other necessary services such as dental and vision, we offer additional insurance to help pay for your routine check-ups and more depending on the additional coverage you purchase. We have many plans available for you to chose from and that fit in any budget.

Long Term Care

Original Medicare is the Medicare Program comprised of Part A and Part B.

You can receive Medicare Part A and B if any of the following are true for you:

  • You are currently receiving Social Security or Railroad Retirement Benefits
  • You are under 65 and have received Social Security Disability Benefits for 24 months
  • You have Lou Gehrig’s Disease
  • You live in Puerto Rico and receive Railroad Retirement or Social Security Benefits
  • You are retirement age but not yet ready to sign up for Social Security Benefits
Disability

Original Medicare is the Medicare Program comprised of Part A and Part B.

You can receive Medicare Part A and B if any of the following are true for you:

  • You are currently receiving Social Security or Railroad Retirement Benefits
  • You are under 65 and have received Social Security Disability Benefits for 24 months
  • You have Lou Gehrig’s Disease
  • You live in Puerto Rico and receive Railroad Retirement or Social Security Benefits
  • You are retirement age but not yet ready to sign up for Social Security Benefits
Cancer

Original Medicare is the Medicare Program comprised of Part A and Part B.

You can receive Medicare Part A and B if any of the following are true for you:

  • You are currently receiving Social Security or Railroad Retirement Benefits
  • You are under 65 and have received Social Security Disability Benefits for 24 months
  • You have Lou Gehrig’s Disease
  • You live in Puerto Rico and receive Railroad Retirement or Social Security Benefits
  • You are retirement age but not yet ready to sign up for Social Security Benefits
Health Insurance

Original Medicare is the Medicare Program comprised of Part A and Part B.

You can receive Medicare Part A and B if any of the following are true for you:

  • You are currently receiving Social Security or Railroad Retirement Benefits
  • You are under 65 and have received Social Security Disability Benefits for 24 months
  • You have Lou Gehrig’s Disease
  • You live in Puerto Rico and receive Railroad Retirement or Social Security Benefits
  • You are retirement age but not yet ready to sign up for Social Security Benefits
Vision Insurance

Original Medicare is the Medicare Program comprised of Part A and Part B.

You can receive Medicare Part A and B if any of the following are true for you:

  • You are currently receiving Social Security or Railroad Retirement Benefits
  • You are under 65 and have received Social Security Disability Benefits for 24 months
  • You have Lou Gehrig’s Disease
  • You live in Puerto Rico and receive Railroad Retirement or Social Security Benefits
  • You are retirement age but not yet ready to sign up for Social Security Benefits