A Mother's Care Insurance In Richmond, VA

Medicare Options at a Glance

You have many Medicare options available to you during your initial enrollment period and annual enrollment period from October 15th to December 7th to change how you receive your Medicare Insurance Benefits. There are 3 options to choose from:

Original Medicare (Part A & Part B) covers most medically necessary services and supplies in hospitals, doctors’ offices, and other health care facilities. Original Medicare doesn’t cover some benefits like eye exams, most dental care, and routine exams. You will also need to select a Part D Prescription drug plan in addition to original Medicare.

Medicare Supplemental Insurance (Medigap) policies are sold by private companies, can help pay some of the remaining health care costs for covered services not covered by original Medicare and supplies, like copayments, coinsurance, and deductibles. Some Medigap policies provide coverage when you travel outside the U.S. Generally, Medigap doesn’t cover long-term care (like care in a nursing home), vision or dental services, hearing aids, eyeglasses, or private-duty nursing.

Medicare Advantage Plans (Part C) policies are sold by private companies, must cover all of the medically necessary services that Original Medicare covers. Most plans offer some extra benefits that Original Medicare doesn’t cover, like some routine exams and vision, hearing, and dental services. Many plans have prescription drug coverage included in them.

Part D Prescription Drug Coverage helps cover the cost of drugs (including many recommended shots or vaccines). Plans that offer Medicare drug coverage (Part D) are run by private insurance companies that follow rules set by Medicare.

Individual Healthcare Plans

No one plans to get sick or hurt, but at some point, in your life, medical care is necessary. Health Insurance helps pay these medical costs and protects your from very high expenses with maximum out of pocket caps. The health insurance plan you choose is a contract between you and that insurance company. Different health insurance policies can offer different benefits, and some can limit which doctors, hospitals, and other providers you can use. When you buy a plan, the insurance company agrees to pay part of your medical costs when you get sick or hurt according to the terms of the contact. Important benefits of health insurance are the also provide preventative care, checkups, vaccines and help cover the cost of prescriptions drugs. Annual Enrollment period is from November 1st to January 15th. Contact us to see what plans are available in the Marketplace that suit your needs.

Dental and Vision Options

Dental insurance helps you plan for the costs of dental care. Vision Insurance helps you pay for the cost of eye exams and glasses and contacts. Many health Insurance plans, Original Medicare, and Medigap plans do not have dental or vision covered as a benefit. However, there are many insurance companies that offer the ability to purchase additional coverage to help cover the cost associated with dental and vision care. We offer many customized dental and vision insurance plans from a variety of insurance companies to meet your needs. Contact Us for a quote today.

Hospital Indemnity and Critical Care Plans

Hospital indemnity insurance is a supplemental insurance plan designed to pay for the costs of a hospital admission that may not be covered by other insurance. Hospital indemnity insurance provides a payout to you based on circumstances related to hospitalization to help cover out-of-pocket expenses like deductibles and copays. Many plans include riders to cover ambulance, accident, outpatient surgical, cancer and dental and vision. Hospital indemnity insurance can be purchased by people between the ages of 18 and 65, and monthly premiums start low and increase as you age. Contact us to estimate your benefit needs.

Life Insurance and Annuity Options

Whether you are trying to provide a financial security for you and your family during your retirement years or protect the people you love after your passing. There are several types of life insurance and annuity options, allowing for consumers to find a policy type that works for their personal situation. Figuring out what type of life insurance is best for you depends on a variety of factors, including how long you need coverage for, how much you want to pay, how much you want loved ones to receive, and whether you’re looking for a life insurance policy that builds cash value over time. For an Annuity, how much do you want to pay into the annuity and the date your want start receiving that income, along with the period of time you would like payments. Our qualified licensed agents can help you assess what life insurance and annuity options are available to you.

Long Term Care Insurance

Long Term Care Insurance is designed to cover long-term services and supports, which are not covered by you Health Insurance Plan, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility. Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, and eating. You can select a range of care options and benefits that allow you to get the services you need, where you need them. If you are in poor health or already receiving long-term care service, you may not qualify for long-term care insurance as most individual policies require medical underwriting. In some cases, you may be able to buy a limited amount of coverage, or coverage at a higher "non-standard" rate.