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A Medicare Advantage Plan is another way to get your Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called “Part C” or “MA” Plans, are offered by Medicare-approved private companies that must follow rules set by Medicare. Most Medicare Advantage Plans include drug coverage (Part D).

Original Medicare covers inpatient hospital and skilled nursing services – Part A - and doctor visits, outpatient services and some preventative care – Part B. Medicare Advantage plans cover all the above (Part A and Part B), and most plans also cover prescription drugs (Part D).

With a Medicare Advantage Plan, you may have coverage for things Original Medicare doesn't cover, like fitness programs (gym memberships or discounts) and some vision, hearing, and dental services (like routine checkups or cleanings).

 Medicare Supplement insurance plans help pay your share of some of the healthcare costs that Original Medicare doesn't cover, like copayments, coinsurance and deductibles. Other important things to know: Medicare Supplement insurance plans are not the same as Medicare Advantage plans

Supplemental insurance includes a variety of different types of coverage, including accident insurance, dental insurance, vision insurance, cancer insurance, fixed indemnity insurance, and critical illness insurance.

A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits. Also known as (Medigap) insurance that is sold by private companies, it can help pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles. Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share. A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

Medicare Part D prescription drug plans are also known as PDPs. These are standalone plans that can be purchased through private insurance companies. PDPs provide coverage for prescription drugs and medications and may also cover some vaccines too.

PDPs work with Original Medicare, Medical Savings Account (MSA) plans, Cost Plans, and Private Fee-For-Service (PFFS) plans without drug coverage.

The Affordable Care Act (ACA) requires insurers to provide coverage for defined preventive benefits without deductibles, co-payments or coinsurance. Qualified Health Plan (QHP): An insurance plan that is certified by the Marketplace, provides essential health benefits, follows established limits on cost-sharing and meets other requirements.

This landmark law improved the health of all Americans, including women and families, kids, older adults, people with disabilities, LGBTQI+ and communities of color.

With all of the changes taking place in the insurance market today its nice to know that a professional can help navigate Individual Health Insurance. Well-Life Groups experienced and knowledgeable brokers can assist individuals as well as large employer groups with over 50 employees. We work with top companies nationwide to ensure the you receive the best customer service and most competitive rates available.

  Group Health Insurance is coverage underwritten on members of a natural group, such as employees of a particular business, union, association, or employer group. Each employee is entitled to benefits for hospital room and board, surgeon and physician fees, and miscellaneous medical expenses. There is a deductible and a coinsurance requirement each employee must pay.  

Well-Life Group works with multiple carriers to offer the very best dental & vision plans on the market today. Some plans offer routine preventative while some offer much more with comprehensive benefits included. Call today to have a Well-Life Group broker assist you in finding the dental or vision plan that fits your needs and your budget.