Your guide to health

We specialize in finding affordable and personalized plans that truly match your lifestyle. From essential health coverage to securing your future, our expert guidance ensures you get the protection you deserve, for all ages who need assistance.

Medicare Insurance 

We offer a range of specialized health insurance plans tailored to meet your individual needs. Our approach is focused on understanding and responding to what you require, providing effective and practical solutions.

Original Medicare

Part A Hospital

Premium is  based on quarters worked 

Think of this as the room and board of the hospital

  • First 60 days  $1736 Deductible
  • Days 61-90     $434  per day
  • Days 91-150  $838  per days
  • Skilled nursing 
  • Days 1-20 Rehab  $ 0 
  • days 21-100  $217 Per Day
  • Days 100 Medicare pays $0 

Part B Medical

Covers your routine Maintenance wellness visits labs and outpatient care

Monthly premium based on household income

  • $256 Deductible
  • 80/20 co-insurance  
  • Excess Fee of 15%

Medicare Advantage

An”All in one” Private plan that usually bundles part A, B and D together making it Part C

HMO, PPO, POS, PFFS etc.

  • Some has no premium
  • Some have no deducitble
  • Some included RX
  • Flat Copays and co-insrance
  • Max out of pocket 
  • Referrals may be required on some plans

Medicare Supplement

 

Plan Letter offering different services

  • Medicare Supplement
  • Prescriptions plan needed
  • Dental
  • Vision

While at an extra cost allows you the ability to take care of your health the way you see fit

all policies purchased separately

 Prescriptions 

 

Prescriptions Drugs are catagorized based off tier levels

 

  • Premium 
  • Annual Deductible
  • Copay / Coinsurance based off tier levels

 

Types of Medicare Advantage

  • Health Maintenance Organization (HMO). HMO plans utilize in-network doctors and require referrals for specialists.
  • Preferred Provider Organization (PPO). PPO plans charge different rates based on in-network or out-of-network services.
  • Private Fee-for-Service (PFFS). PFFS plans are special payment plans that offer provider flexibility.
  • Special Needs Plans (SNPs). SNPs help with long-term medical costs for chronic conditions.
  • Medical Savings Account (MSA). MSA plans are medical savings accounts paired with high deductible health plans.

 

  • Individual Health Plans:
    Federal & Private Solutions
  • Major Medical

  • Short-Term Limited Duration Medical

Dental

Offers advantages that can significantly reduce your dental treatment costs. Since not all dental insurance plans are created equal, it's essential to grasp the fundamentals before you begin exploring options for yourself and your family.

 

Vision

Provides an added wellness benefit for healthy eye exams, which includes routine eye care, prescription eyewear and contact lenses, and other vision services at a reduced cost.

 

Hearing

Hearing loss can impact individuals of any age and can stem from various causes. It is primarily classified into three main categories: sensorineural hearing loss, conductive hearing loss, and mixed hearing loss.

  • Supplemental Health and Ancillary

 

 

We offer a range of specialized life insurance policies tailored to meet your individual needs. Our approach is focused on understanding and responding to what you require, providing effective and practical solutions.

Cancer

These policies offer supplemental cash benefits to assist with treatment, travel, and living expenses. Specifically designed to cover significant out-of-pocket costs that primary insurance doesn't address, payouts are made directly to the insured for added convenience. 

Critical Illness

These types of plans offer a lump-sum cash benefit upon diagnosis of a covered severe condition, such as cancer, heart attack, or stroke. This benefit is designed to assist in covering costs that your health insurance doesn’t, including mortgage payments, childcare, and out-of-network treatments.

Accident

Receive financial support to cover unforeseen expenses resulting from accidental injuries, such as fractures or concussions.

“He who has health, has hope; and he who has         hope, has everything”.      

Find your affordable health care with confidence

Our mission is to empower you with choices. We specialize in tailoring plans that meet your exact requirements, ensuring you receive affordable, quality care and comprehensive protection. Let us help you overcome the worry of finding the right coverage, so you can protect your health, secure your life, and build your wealth in Leesburg, Florida.