PLANS WE OFFER

MEDICARE ADVANTAGE PLANS

A Medicare Advantage is another way to get your Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” must follow rules set by Medicare. If you join a Medicare Advantage Plan, you’ll still have Medicare but you’ll get most of your Part A and Part B coverage from your Medicare Advantage Plan, not Original Medicare. Most plans also include “Part D” or prescription drug coverage. Additionally, our plans offer vison, hearing, and dental services plus gym membership with premiums as low as $0.

DUAL ELIGIBLE SPECIAL NEEDS PLANS

Some people have both Medicare and Medicaid. If so, they could be “dual eligible.” That’s where dual special needs plans — or “dual” plans — come in. Dual plans work together with the individual’s Medicaid plan. Dual health plans cover eligible doctor visits, hospital stays and prescription drugs. Dual plans go beyond either Medicaid or Original Medicare alone. And better yet, with a dual plan, you could get many extra benefits and features than Original Medicare at no extra cost. These extra benefits may include: dental care, plus credit for restorative work, eye exams, plus credit for eyewear, hearing exams, plus credit for hearing devices, rides to health care visits and the pharmacy, and credits to buy hundreds of health-related products. As an added bonus, people who are dual eligible can usually enroll for no monthly premium. That makes a dual plan a low-cost choice too.

CHRONIC SPECIAL NEEDS PLANS

Chronic Condition Special Needs plans (C-SNP) are designed for consumers with diabetes, cardiovascular disease, and/or chronic heart failure and include benefits and services tailored to support the qualifying conditions. Most plans include lower doctor copays, enhanced ancillary benefits (including access to healthy food on select plans), and lower prescription drug costs as compared to non-C-SNP Medicare Advantage plans.

Dental, Vision, and Hearing Plan (DVH)

Dental coverage, without waiting periods, for preventive, basic, and most major services such as exams, cleanings, crowns, and root canals. Vision coverage includes annual vision exams and glasses or contacts from a vision network with both private practice and leading retail providers. Our hearing plans include benefits from UnitedHealthcare Hearing, such as annual hearing exams and hearing aids, including over-the-counter (OTC) hearing aids.

Hospital Confinement Indemnity Insurance is designed to help fill some of the co-payments, deductibles and out-of-pocket expenses of your health insurance plan. Cash benefits are paid directly to you to help cover the costs associated with hospital confinement, ambulance trips, critical accidents, skilled nursing stays and more. It is an affordable way to help protect your savings from all the costs of deductibles, co-pays and additional expenses not covered by your major health insurance plan. Benefits are paid directly to you so you can use the funds any way you choose.