Searching for the right coverage can seem like a large and daunting task, I will help you get on the right plan for your health requirements and budget. Medicare plans typically cover most typical health care costs facing seniors. Medicare (parts A & B) do leave a few gaps in coverage, however, there are more options to get the full coverage you need. Let me help you find what coverage matches your needs for a great price and peace of mind.
Medicare policies are required to include the same basic benefits regardless of provider or location. A & B cover most issues faced by seniors, including check-ups and hospital stays. A is designed to cover inpatient/outpatient care while the B plan covers doctor visits, labs, x-rays and MRI’s.
Something to consider if you are looking to start Medicare services, dental, vision, and hearing are not covered for basic services such as annual check-ups. If these fall on your list of needs, I would be happy to discuss additional plan options to match your needs.
Medicare Advantage Plans provide all of Part A & Part B benefits. This plan will include Health maintenance organizations, preferred provider organizations, private fee-for-service plans, special needs plans, and Medicare medical savings accounts. Most Medicare Advantage Plans offer prescription drug coverage as well.
The Prescription Drug Plan or PDP is designed to help with the cost of prescription drugs and premiums. Medicare PDP encompasses a variety of drug plans, which will impact cost depending on which types of drugs needed.
Medigap is Medicare Supplement insurance that covers gaps in Medicare policies sold by private companies. While Medicare does cover a number of costs, Medigap picks up remaining costs, such as: copayments, coinsurance, and deductibles.
Medigap differs from Medicare Advantage by supplementing Part A and Part B but doesn’t add Medicare Benefits. Medigap policies are guaranteed renewable, which means your insurance company can’t be canceled as long as you are making payments.
This plan doesn’t cover everything, if a policy holder needs prescription, vision, dental and hearing, they will need additions benefits or other plans.
We know going through insurance plans can be confusing and tedious. Multiple plans, options and expenses make the process even more daunting. It doesn’t have to be.
Sifting through all those plans is our job, and we pride ourselves in finding the best coverage for your needs. We’re here to give you peace of mind, and minimize your headaches when life is throwing you a curveball.
We use a wide range or guides and options to inform you to shop smart. Using data and insurance calculators to aid in your decision-making process. We do side by side comparisons to show you the difference in options from different companies and plans.
We have a strong relationship with carriers and will not hesitate to let you know which might be best for your situation. Changing or buying a new policy can be done over the phone or online with one of our experienced agents. Hufnagle Insurance Group is proud to serve you the policies you need.
Connect with our experts to find coverage and products that will match your needs. We use technology to search for you, to match your needs and budget to find coverage that works when you need it. This helps us to be efficient and effective with your needs, as well as, saving you money.
Providing exceptional service drives us to serve our policy holders. Even during times of great stress and social distancing, we are here for you. Innovating to be better leaders and provide service when and where our customers need us. The world is changing, insurance is changing, you are changing, let us stay on top of the shifting landscape to provide you with essential information.
We use our experience and confidence to bring you peace of mind. We’ve covered thousands of cases and use decades of experience to make your life easier when you’re in need. It is our goal to get you covered and bring you peace of mind. Don’t get caught in a downpour, let us help you get covered.
Working a booth inside a Walmart and having years of experience, it’s safe to say the feeling was that we were out of place. You can’t help where you are sometimes when finally connecting with someone in need. What follows is the circumstance that made it all worth spending my time in a busy Walmart, feeling out of place.
A couple 65+ approached my table to inquire about our services. I thought they’d take a card and it would be an early day with a few new leads. Then they shared some specifics about their situation and how much they were paying for their policy. My jaw dropped when they told me their monthly payment was over $1900.
They shared that the company he worked for had given them advice as to what type of insurance they should receive and benefits that would be gained. Well, that advice was incorrect. The couple was paying nearly $2000 a month for Cobra insurance that had high deductibles, didn’t cover copays, medication, or necessary procedures.
Due to a serious medical condition, he had to have an uncovered outpatient procedure done which left them to settle the $105,000.00 bill without aid from the insurance company. This is a horrible and unfortunate circumstance that many people find themselves in and accept before searching for alternate solutions.
We worked closely with them to find the correct coverage for their needs, eventually getting them on a Medicare Supplement insurance plan. The plan saved them over 80% on their monthly cost along with having no deductibles nor copay.
Its easy to get overwhelmed and consider continuing what you had without shopping around. The landscape of insurance changes quickly and what worked yesterday may not today. That’s where we make life easy for you, we search and stay up to date with insurance policies to help you make informed decisions. Insurance coverage for your needs when you need it most.