Medicare supplemental insurance in Auburn and Bluffton, IN

Medical supplemental insurance consists of many different plans

Health insurance options and additions such as Medicare supplemental insurance can be confusing to the consumer. Trying to figure out what health insurance policy is best for you is no easy task. So it’s best to get some professional help. The Health Insurance Shop can help you with medical insurance including Medicare supplemental insurance and various advantage plans. The offer affordable health insurance plans for the people of Angola IN, Bluffton IN, Fort Wayne IN and Huntington IN.

Understanding a bit about Medicare is a good starting point. Medicare is generally available to citizens who are turning 65 or older. People under 65 can qualify if they have been receiving SSDI checks for more than 24 months. Medicare is divided into 4 categories

  • Part A – Hospital Insurance – this covers any services that you might receive at an inpatient center, such as a hospital, nursing facility, hospice or even home care
  • Part B – Medical Insurance – Part B covers your doctor’s visits, outpatient care and some preventative treatments
  • Part C – Medicare Advantage – this provides some private insurance companies for you to choose from if you don’t want Medicare
  • Part D – Prescription drug coverage

Original Medicare (part A & B), does not cover all medical expenses. Costs not covered include deductibles, co-payments, coinsurance and prescriptions. Therefor there is a gap in coverage. This gap can be as high as 20%. Medicare supplemental insurance (aka Medigap) is designed to cover expenses not covered by original Medicare.

However, there are different Medigap plans. In fact, there are about 10 of them starting with Plan A. Plan A covers some basic out of pocket costs, Plan B covers what Plan A does and some additional expenses.

If follows that Medicare supplemental insurance is complicated. However, there are agents and brokers such as the Health Insurance Shop who are ready to advise and help you.

 

Group health insurance in Bluffton, Auburn and Kendallville, IN

Group health insurance- features and benefits

People today have become much aware regarding group health insurance and its significance. This insurance plan generally covers the employer, his spouse as well as kids while there are some plans that also covers parents. Most of you may not be aware of what this health insurance is about. As the name states, when a group either in an organization or a family invests in a health insurance policy that will cover more than 50-100 people is called a group insurance policy. Considering its growing demand we at Health Insurance Shop offer these health insurance plans at the best prices. The areas that we serve include the ins and outs of Angola, IN, Auburn IN and Huntington IN.

The benefits of investing in a group insurance policy

  • No medicals- Firstly, you will not require going for a medical check up for yourself or any family members. In fact, you will be covered under the group health policy from your employer and this applies from the very day you receive the policy papers
  • Get maternity benefits as well- a big plus of having this insurance plan is that you will be covered for your wife’s maternity benefits which most individual health insurance plans do not cover at times
  • Low cost affair- another good news is, this insurance plan is up to 40% cheaper compared to individual health plans. In fact the premium which you or maybe your employer will pay per person will be comparatively quite low
  • Preexisting disease clause- since the first day of the policy, both you as well as your parents will be covered under the pre-existing diseases. So for instance if you suffer from malaria you will definitely be covered under this plan. Under the individual health cover, you cannot reap such benefits

If you wish to make the most of this health insurance plan, get in touch with us right away. We are available 24/7 both on chat and over the phone.