Medicare Supplement Planning

Designed To Get You Where You Want To Go
Contact Laurel Insurance Partners

Medicare Planning

Serving Asheville NC, Hendersonville NC, & Greenville SC

Here at Laurel Insurance Partners, we don’t just work with you, we work beside you to help you find the best medicare supplement plan for where you want to go. Figuring out what your Medicare plan covers can be tricky, and that’s why we are dedicated to helping you every step of the way, ensuring you are confident with your insurance plan.

While Medicare does take care of many of your medical necessities and treatments, there are, often times, fees left to pay. As a supplemental plan designed to fill the gaps left from your original Medicare coverage, policies such as Medigap help to cover the extra costs. A medicare policy that takes care of copayments, deductibles, coinsurances, and Medigap may be the perfect policy that ensures you are able to get the treatment you desire without having to worry about how you are going to cover the non-Medicare covered expenses.

In addition, you may want to consider what Medicare Advantage plans could do for your future. This healthcare plan is offered by private companies, contracted out by Medicare, to provide you with all your Part A and Part B benefits. These benefits include maintenance organization, preferred provider organization, private fee-for-service, special need plans, and medical saving accounts. With advantage plans, anything not covered by your regular Medicare coverage will be paid for by the additional plans that you choose.

 

Should I Go with Medicare Supplement or Medicare Advantage?

Medicare Advantage plans have their place. They can work for some, but not for others. Medicare Advantage plans take the place of original Medicare. You continue to pay your Part B premium, while the claims are paid by the Medicare Advantage plan. The “advantage” to Medicare Advantage is low or zero cost premiums.

But on the other hand, there are some disadvantages. Medicare Advantage uses networks: in-network and out-of-network. Typically in rural areas, in-network can be limited to the county in which you live. So if you travel out of state, you can be covered for emergency care but much of the cost falls on you. On top of that, some specialist are not in-network with the plan.

If you have a limited budget or use VA, Medicare Advantage might be right for you.

Medicare supplements, or Medi-gap, supplement or fill in the gaps for the deductibles or copays not covered by Medicare. You must be enrolled in Part B. Medicare supplements are regulated by both Federal government (Medicare is a federal program) and State governments (Insurance is regulated by the state). So if Medicare pays, the supplement pays! No questions asked.

The disadvantages are that you pay a monthly premium for the plan, and at renewal, premiums often (will) go up. I call my clients every year with lower cost options.

Save Money with the Right Medicare Choice

Working for you, not the insurance companies, you never have to worry about our prerogative to provide exceptional service. We make you our priority at all times, providing you with the assistance and guidance you need to make the right decisions, saving you money along the way. To begin planning for your future, with a team dedicated to your needs, get in touch with one of our qualified agents today.

Laurel Insurance Services
Laurel Insurance Services

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Our Locations Offering Medicare Services

Contact Us

Monday – Saturday 8:30am – 5:30pm
(855) 664-5660
info@laurelinsurancepartners.com

Asheville Office

1854 Hendersonville Road Suite A18
Asheville, NC 28803

Travelers Rest Office

3598 SC Highway 11 Suite 210
Travelers Rest, SC 28690