Long Term Care Insurance
Home Health Aide
Assisted Living Facilities
Adult Day Care Programs
Long Term Care coverage doesn’t have to be difficult to understand. A basic
Long Term Care Policy will cover the following:
You can also add supplemental policies such as:
Critical Cash Plan
Short Term Recovery Care Plans
Home Care Only Policies
Medicare Advantage & MAPD
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HOURS & LOCATION
115 Westride Ct.
Chapin, SC 29036
Monday - Friday
8:30 am to 5:30 pm
9:00 am to 12:00 pm
Evenings by Appointment
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A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you'll each have to buy separate policies.
You can buy a Medigap policy from any insurance company that's licensed in your state to sell one.
Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can't cancel your Medigap policy as long as you pay the premium.
You must have Medicare Part A and Part B before enrolling in a Medigap plan.
If you have a Medicare Advantage Plan, you can apply for a Medigap policy, but make sure you can leave the Medicare Advantage Plan before your Medigap policy begins
You pay the private insurance company a monthly premium for your Medigap policy in addition to the monthly Part B premium that you pay to Medicare.
Medicare Supplement Insurance or "Medigap" plans help fill in some of the gaps in health care costs that original Medicare does not cover like copayments, coinsurance, and deductibles.
6 Things to Know about medigap policies:
Medicare Supplement Plans
Medigap Policies generally don't cover long-term care, vision or dental care, hearing aids, eyeglassses or private-duty nursing.
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A type of Medicare Health plan offered by a private insurance company that contracts with Medicare to provide you with all your Part A and Part B Benefits. If you're enrolled in a Medicare Advantage Plan, most Medicare services are covered through the plan and arent't paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage
Health Maintenance Organization (HMO) Plans
Preferred Provider Organization (PPO) Plans
Private Fee-for-Service (PFFS) Plans
Special Needs Plans (SNPs)
HMO Point of Service (HMOPOS) Plans: An HMO Plan that may allow you to get some services out-of-network for a higher cost.
Medical Savings Account (MSA) Plans