Medicare
Medicare is a federal health insurance program divided into four parts: A, B, C, and D. Part A covers hospital insurance, Part B covers medical insurance, Part C (Medicare Advantage) is an alternative to Original Medicare offered by private companies, and Part D covers prescription drugs. Medicare is primarily for individuals aged 65 and older, as well as younger people with certain disabilities or conditions. It’s administered by the Centers for Medicare & Medicaid Services (CMS) and provides coverage for a range of healthcare services, including hospital stays, doctor visits, and prescription drugs.
Work with one of our agents – at no extra cost – to evaluate your situation and create an insurance plan that meets your needs and budget! Contact us by calling 800.445.7866 or e-mailing info@dgilston.com today!
Medicare Supplements
Medicare supplement plans, referred to as Medigap, are policies issued by private insurance companies. Designed to fill in the gaps of Medicare, these supplements offer coverage attributable to Medicare’s deductibles, co-payment requirements, and benefit periods. Unlike Medicare, these plans are not administered through the federal Social Security program, but are instead sold and serviced by private insurers and HMOs.
Medicare Part C
Medicare Part C is the Medicare Advantage (MA) option now available under Medicare. Unlike Medicare Supplement plans sold today, these programs vary significantly by carrier and research must be done to determine which program and carrier provides the best fit for the needs of the client.
Medicare Part D
Medicare Part D is the drug program available through Medicare beginning on January 1, 2006. Like Part C, these programs vary significantly from one carrier to the next. Research must be conducted regarding the prescription drugs the client is taking in order to determine which carrier affords the greatest benefit for the client.
Life Insurance
Do you have a mortgage, own a business, have car payments, or have credit card debt? Are you married, have young children, or children about to start college? Many of us don’t understand the importance of protecting your family’s future. Our agents can show you how to buy affordable life insurance, which will protect the future of your family as well as your business.
Dental Insurance
Regular dental checkups are important when it comes to the health of your teeth. Many people wait to see a dentist when they have a problem which often results in expensive treatment. Such treatments could possibly have been avoided had they had regular checkups. Many times, the reason they don’t get regular checkups is because they do not have insurance. Many people don’t realize they can purchase dental insurance individually, and the plans are quite affordable. Also, it is important to keep in mind that many employers no longer help pay for dental insurance because the medical premiums have increased.
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