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We offer Part C, otherwise known as Medicare Advantage plans which are Medicare approved plans offered by private insurance companies that offer an alternative to Original Medicare for your health and drug coverage. These bundled plans include Part A, Part B, and usually Part D. In most cases you'll need to use doctors who are in the plan's network. These plans may have lower out of pocket costs than original Medicare. Medicare Advantage plans are required to cover all services that are covered by Original Medicare and some plans have coverage beyond that including dental, vision, hearing, and even wellness programs.
Part D, also known as PDP (Prescription Drug Plans), is an additional Medicare Product that can be used alongside Original Medicare for drug coverage. Even if you don't take prescription drugs currently, you should consider coverage in order to avoid a potential penalty fee in the future.
Medicare Supplement Plans, also known as Medigap is Medicare Supplement Insurance that helps fill "gaps" in Original Medicare. Original Medicare pays for a portion of the cost for covered health care services and supplies, whereas Medicare Supplement Insurance Policies are sold by private companies and can help pay some of the remaining health care costs like co-payments, co-insurance and deductibles. If you choose to buy a Medicare Supplement Policy you will pay a monthly premium. Medicare Supplement Insurance does not cover prescription drug costs, so it's also highly encouraged for you to purchase a Part D drug plan to help cover your prescription costs. To put it simply, Medicare Supplements are in addition to Original Medicare and fill in coverage gaps.
HOURS & LOCATION
Serving the state of Wisconsin
Monday - Friday
8:30 am to 5:30 pm
Evenings and Weekends by Appointment
We offer individual and family plans for those who are self-employed or who have retired before they are eligible for Medicare. Affordable Care plans are offered through the Marketplace and range from Bronze, Silver, Gold and Platinum coverage. Each of these offer the exact same level of quality health care, with the difference being in the premium and out-of-pocket cost ratios.
All of these plans cover ten essential benefits as set forth by the Affordable Care Act.
These benefits include:
1. Ambulatory Care
2. Emergency Services
3. Hospital Coverage
4. Maternity and Newborn Care
5. Pediatric Services (including dental and vision)
6. Mental Health and addiction treatment
7. Prescription Drug Benefits
8. Rehabilitative Coverage
9. Laboratory Services
10. Preventative Services and Chronic Disease Management
Life insurance is a crucial step in planning for your future and the future of your loved ones.
Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
Final Expense Insurance is a whole life insurance policy that is purchased to cover the expenses associated with a funeral or memorial service.
Fixed Annuities can guarantee you an ongoing income stream for a period of time. Payments can start during retirement and continue for the rest of your life.