Services






Medicare Advantage Plans

Medicare Advantage Plans commonly referred to as Medicare Part C are a type of Medicare health plan offered by a private company that contracts with Medicare to provide all your Part A and Part B benefits. Most Medicare Advantage Plans also offer prescription drug coverage or Part D. 

Medicare Advantage plans work similarly to employer-sponsored health insurance plans that you may have had or currently have, which may help you continue a similar level of coverage to what you have now.






Medigap

Medigap is Medicare Supplement Insurance that helps fill “gaps” in Original Medicare and is offered by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs.






Medicare Prescription Drug Plans

Medicare Prescription Drug Plan – Medicare Part D is available to all people eligible for Medicare, regardless of income and resources, health status, or current prescription expenses. Medicare prescription drug coverage provides protection for people who have very high drug costs. Plans can vary on the list of prescription drugs they cover (called a formulary) and how they place drugs into different “tiers” on their formularies.






Individual & Family Health Insurance
ACA

The ACA (Affordable Care Act) was designed to make health more affordable for people. It includes tax credits and cost sharing to help reduce your monthly premium, deductibles, coinsurance and your medical out of pocket costs. ACA plans are offered through private companies. They give you coverage on things such as hospital, medical, prescription drug, preventative services, daily health and wellness. There are many different plans you can choose from to fit you and your family’s needs.






Dental, Vision, & Hearing

Dental, Vision, & Hearing coverage is sometimes offered through Medicare Advantage plans or Individual & Family health plans.  There are also separate Dental, Vision & Hearing insurance and discount plans available through private insurance companies to help cover these costs. These companies determine what the plans will cover, if there will be a deductible or co-pay, and how much the premiums will be. 






Short-Term Home Health Care

Short-term Home Health Care policies generally cover nursing homes, assisted living and home care when you are unable to look after yourself. Designed to help cover gaps in Medicare coverage, short-term care, typically offers benefits for 12 months or less.






Hospital Plans

Hospital plans are designed to help insured pay for copays or coinsurance associated with hospital stays. Many hospital plans are indemnity type plans, meaning they pay the insured directly, regardless of other insurance coverage. 






Cancer, Heart Attack & Stroke plans

Cancer, Heart Attack & Stroke insurance plans are built to pay a lump-sum benefit to help pay co-payments and coinsurance often accompanying these treatments. Plans may also be available in your state to cover advanced screening. Qualification includes pre-existing condition look-backs. Contact us for details of these plans and availability in your state. Most plans pay lump sum benefit directly to insured regardless of any other insurance benefits.






Life Insurance, Final Expense

The purpose of Final Expense or Life Insurance is to help protect the people who depend on you financially. Having the right policy is pivotal in planning for the future of you and your loved ones. There are several different types of life insurance products available – the most common include:

Final Expense:

Burial or cremation and other final expense costs are not covered by Original Medicare or Medicare Advantage Plans. Some private life insurance companies offer coverage for this need. Some plans’ qualifications may include health questions to determine eligibility or premium.

Term Life Insurance

Term life insurance provides protection for a specified period of time. It’s generally less expensive than permanent (whole) life insurance, and is available in varying time periods with fixed premiums from 10, 15, 20, 25, or 30-year terms.

Whole Life Insurance

Whole life insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy. Many whole life insurance policies also build cash value over time.









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*By providing the information above, I grant permission for a licensed insurance agent from Silver Pine Insurance to contact me regarding my Medicare options including Medicare Supplement, Medicare Advantage, Prescription Drug plans. You can unsubscribe at anytime by replying STOP. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.