Group Health Insurance Experts

If you have employees over 65 or retirees, consider a Group Medicare Advantage Plan or a Group Medicare Supplement from one of our top rated carriers.   These plans were designed specifically for group-sponsored retirees and can save both employer and employee/retiree on health care costs.   

 

Medicare Advantage Plans.

Medicare Advantage Plans are known as part C of Medicare and Part C plans combine Part A and Part B into one plan.  Some Advantage Plans have a part D (prescription coverage) built into them.  Although they are offered and serviced by many different private carriers, these carriers have all been contracted by the federal government to administer the plans. These plans have no or low premiums and provide the same benefits that Medicare provides, in addition to extra benefits. Types of Medicare Advantage Plans include Health Maintenance Organizations (HMOs), Preferred Provider Organization (PPOs), and Private Fee-for- Service Plan (PFFS).  

 

More about Medicare Supplement Plans   

Medicare Supplement Insurance policies complement your original Medicare plan and will pay some, if not all, of the expenses that Part A and B do not cover. These expenses could be co-pays, coinsurance, deductibles and other excess charges. There are many different types of Supplement policies available today, offered by many different carriers.  Medicare Supplements are standardized by the federal government, meaning that the benefits for these policies, known as Plan A through N, are all the same regardless of the carrier; the only difference is in the premium. Premiums vary depending on how the carrier prices the policy, which is dependent on different factors such as age or geographical location.  Ultimately, the best supplement plan is one that is purchased from a quality carrier, has a low premium and leaves you with the least or no out of pocket expenses.  Note:  Most of our carriers offer multiple standardized flexible plan designs with a Medicare Part D (prescription drug) coverage option.  

 

Group Medicare Insurance

For a Quote for Group Medicare, click the "X" in the upper right hand corner of this page and fill out the Group Quote Request form on the Group Insurance page.

Have a Question?  Please contact us at (502) 339-7980 or email us.