MEDICARE
Choosing the right medicare plan
Turning 65 soon? Enrolling into Medicare for the first time is a big decision. Let us help you navigate through all of your rights and options.
Already receiving Medicare benefits? Let us review your coverage to make sure you're taking advantage of all the benefits available to you.
medicare advantage
Medicare Advantage are Medicare plans that are offered by private insurance companies. This is considered Part C of Medicare. Part C includes Parts A & B of Original Medicare and often includes Part D as well.
These differ from Medicare Supplement policies but are also designed to help beneficiaries with out-of-pocket medical costs.
There is usually a network of providers that participate in the plan. Premiums and co-pays will vary by plan and carrier. Let our licensed agents show you the plans that are available in your area.
medicare supplement
Medicare Supplements are standardized plans to help cover the costs that Original Medicare leaves behind. Some of these extra costs could include Part A & B deductibles, daily copays as well as coinsurance for approved services. Sometimes these plans are called Medigap plans because they fill in the gaps of Medicare.
Our agents will explain to you exactly how Medicare works and help you choose the Supplement Plan that is right for you.
ADDITIONAL PROTECTION
critical illness coverage
lump sum cancer protection
lump sum cancer protection
Heart attack and stroke are critical health events that are impossible to predict, and can be very costly to treat.These life threatening circumstances can incur higher than average out of pocket expenses. Having a plan in place to help cover these costs will help you to hold onto more of your money when those bills start rolling in.
lump sum cancer protection
lump sum cancer protection
lump sum cancer protection
Does cancer run in your family? Do you have lifestyle risk factors that make you more at risk for certain cancers?
Being newly diagnosed with cancer is a frightening experience. A cancer policy will pay a lump sum benefit upon a cancer diagnosis.
dental & vision insurance
lump sum cancer protection
dental & vision insurance
Original Medicare does not pay for dental or vision. Some Medicare Advantage plans offer some dental & vision coverage, but what if you have a Supplement to Medicare? There are private dental & vision plans that you can enroll in at any time.
short term nursing care
short term nursing care
dental & vision insurance
Medicare does not pay for custodial care. Whether you need this type of care in your home or in a nursing facility, it can be extremely costly. A short term nursing home care plan can help to cover some of these major expenses.
ADDITIONAL INFORMATION
short term nursing care
ADDITIONAL INFORMATION
You must be eligible for Part A and Enrolled in Part B in order to enroll in a Medicare Advantage Plan or a Medicaid-Gap Plan.
You can sign up for Medicare by visiting Social Security at www.ssa.gov
Hometown Retirement Specialists, LLC is not affiliated or endorsed by the Federal Medicare program, the Social Security Administration or any government agency.
Hometown Retirement Specialists, LLC does not offer every plan available in your area. Currently we represent 8 organizations which offer 766 products in the area. Please visit Medicare.gov, 1-800-MEDICARE or your local State Health Insurance Program (SHIP) to get information on all of your options.
Hometown Retirement Specialists, LLC nor its agents offer tax, legal or accounting advice. All written content on this site is for information purposes only. Opinions expressed herein are solely those of Hometown Retirement Specialists, LLC, and our editorial staff. The presence of this website shall in no way be construed or interpreted as a solicitation to sell or offer to sell products to any residents of any State other than the State(s) Hometown Retirement Specialists, LLC, is licensed or where otherwise legally permitted. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual agent prior to implementation. Hyperlinks on this website are provided as a convenience. We cannot be held responsible for information, services or products found on websites linked to ours.
