Supplemental Health Care Coverage

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Saving You Money On Supplemental Health Care Is Our Mission

Health Care costs can easily exceed your insurance coverage. That’s where Supplemental Plans come in. We are here to save you money while providing the most complete coverage possible.

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Medicare Part A (Hospital Insurance)

  • Helps cover inpatient hospital care.
  • Helps cover skilled nursing facility care, hospice, and home health care.
  • Patients are responsible for deductible for hospital confinement.
  • Patients are also responsible for a co-payment after 20 days of skilled nursing confinement
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Medicare Part B (Doctors)

  • Helps cover doctors’ services, hospital outpatient care, and home health care.
  • Helps cover various preventive services to help maintain a healthy lifestyle.
  • Help pay for durable medical equipment.
  • Patients are subject to yearly deductible under part B.
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Medicare Part C (Medicare Advantage Plans) (HMO)

  • Medicare advantage plans are health plans run by Medicare-approved private insurance companies.  Medicare advantage plans take over your Medicare and include Part A, Part B, and usually other coverage like prescription Drug coverage.
  • These plans carry a doctor network and only allow you to see doctors within the plan.
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Medicare Part D (Medicare Prescription Drug Coverage)

Part D helps with your prescription drug coverage on different Medicare plans.  These plans are offered by insurance companies and private companies that are approved by Medicare.

  • Helps cover the cost of prescription drugs.
  • May help lower your prescription drug costs and help protect against higher costs in the future.

Check out the services we offer

Medigap Policies

Let us help you select the the best Medicare Supplement Plan to meet your needs and budget. Call us today (954) 970-4760

Medigap Plan A

Medicare Supplement Plan A is the least comprehensive of all the available Medigap Plans. Plan A includes all the basic benefits associated with Original Medicare as well as covering 100% of the Part B coinsurance. Plan A should only be taken by individuals who are only looking to cover doctor visits only which falls under Part B. Plan A will not cover any hospital deductibles associated with Medicare.

Medigap Plan B

Medicare Supplement Plan B is a step up in coverage verses a Plan A however still has many gaps in coverage. A Plan B will cover the basic benefits associated with Original Medicare along with 100% of the Part B coinsurance and the Part A Hospital deductible. However Plan B does not offer coverage for: Additional days of Skilled Nursing, the Part B deductible, Part B excess charges or Foreign Travel Emergency.

Medigap Plan C

Medicare Supplement Plan C is one of the most comprehensive Medigap Plans available. The plan includes all of the basic benefits associated with Original Medicare, 100% of the Part B coinsurance, Additional days for Skilled Nursing, the Part A hospital deductible, the Part B deductible, as well as Foreign Travel Emergency coverage. However the Plan C does not include coverage for the Part B doctor excess charges. With the number of doctors adding these excess charges growing every day and the minimal cost in monthly premium to add this coverage I think Plan C should be taken by few people.

Medigap Plan D

Medicare Supplement Plan D is very similar to Plan C. Like a Plan C the Plan D covers all of the basic benefits associated with Original Medicare, 100% of the Part B coinsurance, Additional days for Skilled Nursing, the Part A hospital deductible, as well as Foreign Travel Emergency coverage. However the Plan D does not cover Part B doctor excess charges or the annual Part B deductible.

Medigap Plan F

Medicare Supplement Plan F is the most comprehensive of all the available Medigap Plans. The plan includes all of the basic benefits associated with Original Medicare, 100% of the Part B coinsurance, Additional days for Skilled Nursing, the Part A hospital deductible, the Part B deductible, Part B doctor excess charges, as well as Foreign Travel Emergency coverage. Plan F includes everything you need to be 100% covered. You basically pay your premium each month and will not have to worry about any additional costs for medical services covered by Medicare.

Medigap Plan N

Medicare Supplement Plan N is a relatively new Medigap Plan. The Plan N includes all the basic benefits associated with Original Medicare. The Plan also covers 100% of Part B coinsurance, except up to a $20 co-payment for office visits and a $50 co-payment for emergency room visits. Also included is additional days for Skilled Nursing, the Part A hospital deductible, as well as Foreign Travel Emergency coverage. The Plan N does not include the annual Part B deductible or coverage for the Part B doctor excess. Plan N can be an intriguing plan for seniors depending on the price and how often they go to the doctor

Medigap Plan HDF

Medicare Supplement Plan HDF also known of High Deductible Plan F is rapidly growing in popularity among the available Medigap Plans. The Plan HDF has the exact same benefits as a traditional plan F. The plan includes all of the basic benefits associated with Original Medicare, 100% of the Part B coinsurance, Additional days for Skilled Nursing, the Part A hospital deductible, the Part B deductible, Part B doctor excess charges, as well as Foreign Travel Emergency coverage. However the Plan comes with a $2,180 annual deductible. So with this plan you are responsible for the 20% Medicare charges up to the amount of the deductible. Once the deductible is met the policy pays everything 100% just like a traditional Plan F. If you stay very healthy and don’t have very many claims during a year then you will save a significant amount of money as the Plan HDF is much lower in premiums from month to month.

Get A Quote Now And See How The Ahlbum Group Can Save You Money

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Saving You Money On Supplemental Health Care Is Our Mission

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Address

2000 Banks Road, #209
Margate, FL 33063

The Ahlbum Insurance Group

2000 Banks Road, #209
Margate, FL 33063
Tel: (954) 970-4760