Agents are trained to cover the unique insurance needs of adults age 65 and over. They can explain how insurance plans can be integrated with Medicare as well as prescription drug coverage. Agents are available to meet with you at the office or in your home to review these insurance options.

Work with one of our agents – at no extra cost – to evaluate your situation and create an insurance plan that meets your needs and budget! Contact us by calling 800.445.7866 or e-mailing medicare@dgilston.com today!

MEDICARE SUPPLEMENTS

Medicare supplement plans, referred to as Medigap, are policies issued by private insurance companies. Designed to fill in the gaps of Medicare, these supplements offer coverage attributable to Medicare’s deductibles, co-payment requirements, and benefit periods. Unlike Medicare, these plans are not administered through the federal Social Security program, but are instead sold and serviced by private insurers and HMOs.

MEDICARE PART C

Medicare Part C is the Medicare Advantage (MA) option now available under Medicare. Unlike Medicare Supplement plans sold today, these programs vary significantly by carrier and research must be done to determine which program and carrier provides the best fit for the needs of the client.

MEDICARE PART D

Medicare Part D is the drug program available through Medicare that began on January 1, 2006. Like Part C, these programs vary significantly from one carrier to the next. Research must be conducted regarding the prescription drugs the client is taking in order to determine which carrier affords the greatest benefit for the client.

LONG-TERM CARE

Long-term care (LTC) plans provide protection to individuals in the event extended home health care or nursing home care is required. Protection can be purchased at a reasonable price, especially if purchased at a younger age. Corporations can take advantage of significant tax breaks by providing this individual coverage to key employees and no discrimination rules apply to this type of coverage. LTC programs remove the stress from families when trying to figure out how to pay for extended care for family members.