Securing your future, one plan at a time – HSM Insurance Group’s Medicare Solutions
Explore the Best Medicare Products with HSM Insurance Group
Bridge the Gap in Coverage with Medicare Supplements
Medicare Products like Supplements can help you fill the gaps in coverage that Original Medicare doesn’t cover. With a variety of medicare supplements available, HSM Insurance Group can help you find the right Medigap plan for your needs and budget.
A Medicare Supplement plan is Medicare Product that helps cover what original Medicare (Part A and B) does not cover. There are a variety of supplement plans available and the most popular plan we sale is Plan G. With a supplement plan, you will also need a Part D prescription plan to cover medications.
While we don‘t currently sell Part D plans, we also assist with enrolling in Part D prescription plans.
As a note if you are not new to Medicare and are already on a supplement plan you can change to another supplement plan at anytime during the year, since there is no dedicated election for supplements. Please note that if you are already on a supplement plan and trying to change to a different carrier or plan, you will be subject to medical underwriting by the new insurance carrier.
Get the Coverage You Need with Medicare Supplements
Medicare Supplements are designed to supplement Original Medicare. These plans can help you fill the gaps in coverage that Original Medicare doesn’t cover.
One of the main benefits of Medicare Supplements is that they provide a predictable and stable cost for healthcare. Another benefit of Medicare Supplements is that they offer more flexibility in choosing healthcare providers, as they allow you to see any healthcare provider that accepts Medicare, regardless of whether they are in-network or out-of-network.
At HSM Insurance Group, we specialize in Medicare Supplements and can help you compare different plans to find the one that best suits your needs and budget. We can also assist you in enrolling in a plan that fits your needs.
Maximize Your Coverage with Medicare Advantage Plans
Another Medicare Product that we offer would be Medicare Advantage Plans, also known as Medicare Part C, comibining all your benefits with Original Medicare (Part A and B).
These plans offer Original Medicare coverage, but often with added benefits such as dental, vision, and prescription drug coverage. At HSM Insurance Group, we can help you compare and enroll in a Medicare Advantage Plan that fits your needs and budget.
Medicare Advantage Plans are the alternative to supplement policies and they serve the similar purpose of helping cover what original Medicare does not, they just do so in a different way.
Advantage plans are offered at a much lesser cost in comparison to supplements and can include added benefits such as dental coverage, membership discounts, and built in Rx coverage.
While supplement policies don’t have co pays or deductibles, Advantage Plans typically do. To learn more about these plans, please contact us to schedule an appointment to sit down and discuss them in detail. We will be happy to walk you through how they work and create a comparison between an Advantage Plan and a Medicare Supplement plan, so that you can make a well informed decision about what will work best for you. Please note that if you are not new to Medicare, enrolling in an Advantage plan can only be done during the annual election period from October 15th – December 7th.
Discover the Benefits of Medicare Products: Advantage Plans
Medicare Advantage Plans, also known as Medicare Part C, are a Medicare Products offered by private insurance companies as an alternative to Original Medicare (Part A and B). These plans are designed to fill in the gap from Original Medicare, but with added benefits such as dental, vision, and prescription drug coverage.
One of the main benefits of Medicare Advantage plans is that they often have lower out-of-pocket costs than Original Medicare. This is because they typically include a cap on out-of-pocket costs, which means that you will not have to pay more than a certain amount for covered services in a given year. In addition, many Medicare Advantage plans also include additional benefits such as gym memberships and wellness programs.
Another benefit of Medicare Advantage plans is that they often have built-in prescription drug coverage, known as Part D. This means that you do not need to enroll in a separate Part D plan to get coverage for your medications.
At HSM Insurance Group, we specialize in Medicare Products like Advantage plans and help you compare different plans to find the one that best suits your needs and budget. We can also assist you in enrolling in a plan that fits your needs. Contact us today to learn more about the benefits of Medicare Advantage plans and to find the right one for you.