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Medicare & Supplemental Health Insurance

About Us


Who We Are

We are experienced, client-centered, responsive, and independent (this means we work for you — not any single insurance company).

What We Do

We educate and inform you about all Medicare plan types, provide rates without hassle or obligation from top-rated companies and offer the guidance you need to make an informed decision. We offer Medicare Advantage Plans, Medicare Supplemental Plans and Medicare Part D Prescription Drug Plans.

Why Us?

We are highly trained agents that care. You’ll talk with Medicare professionals… not call center reps and we are happy to meet with you in person. If we don’t have the answer, we’ll get it for you! That’s our promise to every client.

Nicole Wiggins

Nicole Wiggins

Agent

I am your trusted source for finding the Medicare Insurance coverage that’s right for you. I founded Premier Senior Insurance Group to help retirees with their health-care planning, deciding to focus on this area after finding that many financial advisers ignore this critical component of retirement planning. Information, education, and advice combined with a personal touch and ongoing service… that’s my approach for each client interaction.

United Healthcare
transamerica
SilverScript

Frequently Asked Questions


Who is Medicare for?

Medicare is a health insurance program administered by the Federal Government and is available to people:

– Age 65 or older

– Under age 65 with certain qualifying disabilities

– With end-stage renal disease (permanent kidney failure requiring dialysis or a kidney transplant) regardless of age

 

Medicare provides for basic health care needs but does not cover all your medical expenses and services.

Medicare provides coverage for:

  • Part A – Hospital stays, home health services and hospice care
  • Part B – Doctors’ services, outpatient care and medical equipment
  • Part D – Prescription Drugs
  • Other – Private medical health plans usually through managed care as an alternative to traditional Medicare

 

Part A – Hospital Insurance helps cover inpatient care in hospitals including critical access hospitals and skilled nursing facilities (excluding custodial and long-term care). It also helps cover hospice care and some home health care. Beneficiaries must meet certain conditions to get these benefits. Most people don’t pay a premium for Part A because they or a spouse already paid for coverage through their payroll taxes while working. (Source: CMS.gov – Medicare Program General Information)

Part B – Medical Insurance helps cover doctors’ services and outpatient care. It also covers some other medical services that Part A doesn’t cover, such as some of the services of physical and occupational therapists, and some home health care. Part B helps pay for these covered services and supplies when they are medically necessary. Most people pay a monthly premium for Part B. (Source: CMS.gov – Medicare Program General Information)

Part D – Prescription Drug Coverage is insurance provided by private companies. Beneficiaries choose the drug plan and pay a monthly premium. Like other insurance, if a beneficiary decides not ot enroll in a drug plan when they are first eligible, they may pay a penalty if they choose to join later. (Source: CMS.gov – Medicare Program General Information

Other Medicare Plans are offered by private companies that contract with Medicare to provide Part A and Part B benefits to people with Medicare and who enroll in the plan. Medicare health plans include all Medicare Advantage Plans, Medicare Cost Plans, Demonstration/Pilot Programs, and Programs of All-inclusive Care for the Elderly (PACE).

What is Medigap?

Medicare Supplement Insurance (also known as Medigap) fills in Medicare coverage gaps and protects you from unexpected health expenses.

Medigap is insurance offered by private companies and designed to supplement original Medicare.

Medigap plans help pay some or all of the health care costs that original Medicare doesn’t cover such as:

– deductibles

– co-payments

– co-insurance

Some Medigap plans also cover medical care when traveling outside the United States.

Key Reasons to Consider a Medigap Plan

– Provides coverage for many expenses not covered by traditional Medicare Insurance

– Private insurance to “fill in gaps” of Parts A & B (Deductibles, Coinsurance, Copayments

– 10 Standardized Plans depending on State and Coverage

– Flexibility to see any doctor that accepts Medicare

– Guaranteed Renewable as long as you pay your premiums

– Go direct to physicians and specialists without pre-approvals

– Portable Coverage – No network restrictions…National coverage

– Benefits stay the same once you enroll in a Plan

– Certain Guarantee Issue Periods without medical questions depending on specific criteria

What Medicare Supplement Plans are available?

Medigap Plans are government standardized and named using a letter.  Each Medigap Plan provides different benefits.

The chart below lists each Medigap Plan and the benefits it provides.  Plan F is the most comprehensive Plan and the most popular.

“Yes” in a box means the Plan covers 100% of the benefit type. A percentage (%) amount in the box means the Plan covers that percentage amount of the benefit type. If the box is blank then the benefit is not a covered service provided by the Plan.

Medigap Plans are government standardized and named using a letter.  Each Medigap Plan provides different benefits.

The chart below lists each Medigap Plan and the benefits it provides.  Plan F is the most comprehensive Plan and the most popular.

“Yes” in a box means the Plan covers 100% of the benefit type. A percentage (%) amount in the box means the Plan covers that percentage amount of the benefit type. If the box is blank then the benefit is not a covered service provided by the Plan.

 

 

Where do I go for treatment?

Freedom to choose their own doctor is an important consideration for many. You can rest assured that as a Medicare supplement member, you can go to any doctor or hospital and it will be covered as long as the doctor accepts Medicare.

Plus, with Medicare Supplement Insurance, coverage is recognized across the nation and not restricted to a specific geography, providing broad flexibility.

Which Medicare Supplement company is best to use?

Since all Medicare Supplement insurance policies have been standardized by the federal government, the most important considerations are company rating (A-rating is best), plan cost and service. Make sure to ask about costs at current age as well as older ages.

Is it expensive to use our insurance services?

The short answer is “NO”. Consumers pay the same for their insurance regardless of how they conduct their purchase. Agents are paid directly by the insurance carriers. An important consideration for consumers is to find an independent agent licensed to offer multiple plans and companies. Make sure they freely share rates for each plan represented.

What is a Medicare Advantage Plan?
Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are an “all in one” alternative to Original Medicare. They are offered by private companies approved by Medicare.  If you join a Medicare Advantage Plan, you still have Medicare.  These “bundled” plans include  Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance), and usually Medicare prescription drug (Part D).Medicare Advantage Plans cover all Medicare services.  Some Medicare Advantage Plans also offer extra coverage, like vision, hearing and dental coverage. Each Medicare Advantage Plan can charge different out-of-pocket costs. They can also have different rules for how you get services, like:
  • Whether you need a referral to see a specialist
  • If you have to go to doctors, facilities, or suppliers that belong to the plan’s network for non-emergency or non-urgent care

These rules can change each year. 

Medicare Advantage plans offer lower monthly premiums and in some cases no monthly premium. 

Let’s Chat


Use the form below to contact us regarding your insurance inquiry. Please be as detailed as possible. To help us best service your inquiry, we recommend that you include information on your current Medicare insurance (if any), your age. and if you are interested in insurance for just yourself or for your spouse as well. You may also email or call us to make an appointment.

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