Areas of Expetiese
At Health Estimates, we know that finding the best in affordable health insurance can be time consuming. Experience personal service with local access. We work with the finest in the medical insurance market place to help you find a plan that fits your needs. We work for you at NO COST to insure your medical plan provides the protections you desire. Call Us Today For Help. You can use our No Obligation Quote System at No Cost. We can also help you estimate your subsidy.
Getting health quotes for cheap health insurance rates has never been easier. It is so important to make your money work for you. There are three things you must know before you buy health insurance.
Make sure you deal with a reputable company
Understand the type of coverage you are looking for
Do not hesitate to ask your insurance agent for any special programs you may qualify for or discounts you may be eligible to receive
Of course, you want a health plan that will serve your needs, but most importantly you want a policy that fits your budget. You do not have to sacrifice one for the other. That is a common misconception in the insurance industry. We are pleased that our customers are more than satisfied and refer their family and friends to us.
Through Health Estimates you can be confident that your CMS Certified Agent will work for you. This Agency has received an A+ rating with the Better Business Bureau and is a member of NAHU (National Association of Health Underwriters). This means they have proven their excellence. NAHU members are bound by a code of ethics that serves the people first rather than the insurance providers. They also keep up to date with the latest changes in the health insurance industry.
This means savings for you as Certified Agents can customize policy for you. Their knowledge and expertise allows them to find and qualify you for little known programs, discounts and other tax available credits. This will enable you to get more coverage for each dollar you invest. Not all insurance companies are the same; it takes dedication to customers to become a company that has earned a trusted reputation.
Following is a list of what you should consider when choosing a health care plan that is right for you.
Preventative care visits
Doctor office visits
Emergency room services
In-patient hospital facility
Prescription drug coverage
With the powers to solve your problems and meet your Medicare needs. Let Medicare Man Help you understand your options. Personal and friendly service whenever you need it. We will take the time to listen to your needs and walk you through the steps to acquire the health plan that serves you best. You can ask any questions along the way, we will make sure you understand fully what all your options mean in terms you can relate to.
Our Agents will use their expertise to help you solve your problems and meet your Medicare Supplement needs.
No Restrictive Physician or Hospital Networks
No Need for Referrals
Flexible and Affordable Plans
Simple Application Process
Virtually No Claim Forms to Fill Out
Personal and Friendly Service Whenever You Need It
In most cases, an enrollee in Medicare Advantage plan will have prescription drug coverage (Medicare Part D) included directly through the plan. However, some Medicare plans do not include coverage for prescription drugs. In these cases, an individual would need to purchase a separate Medicare Part D prescription plan if they want such coverage. It is important to note, however, that an individual cannot be enrolled in both Medicare Advantage and a Medicare Part D prescription drug plan. Therefore, if an individual wishes to enroll in Medicare Part D, then he or she will need to obtain their Medicare coverage through Original Medicare (Medicare Parts A and B).
WHAT IS THE DIFFERENCE BETWEEN MEDICARE ADVANTAGE AND MEDICARE SUPPLEMENT INSURANCE?
Medicare Supplement Insurance offers benefits that are designed to fill in the “gaps” in Medicare Part A and B coverage such as out-of-pocket copayments and deductibles. These plans are not only supplemental to what Original Medicare covers. Therefore, these plans do not provide coverage for services that are not already covered by Medicare Part A or B such as non-essential cosmetic surgery. A Medicare Supplement policy may be purchased through a private insurer that offers such coverage. There are a number of different Medicare Supplement plan options to choose from, and all correspond to a letter of the alphabet – with Plan A offering the most basic set of benefits. Because Medicare Supplement Insurance works in conjunction with the coverage gaps that are left by Medicare Parts A and B, it is not necessary for an individual who has Medicare Advantage to also have coverage through a Medicare Supplement insurance policy.
Serving you with excellence COBRA Administratrions, ACA Attorney on Staff, 1094-C filings, wrapped DOCs, ERISA compliance and Human Resource services from a Personal Advisory Team. We offer Group Health Care for large corporations or small businesses that balance a company’s interests with the loyalty and interest of its employees. We specialize in finding the best discounts and tax breaks for your company.
Why You’ll Love Working With Us:
Always looking out for YOUR best interest - we will consult on which strategies are best for your company’s goals, employees, and bottom line.
Your advocate – we leverage our close relationships with all the major medical insurance and ancillary carriers to negotiate the best rates for you.
Alternative Funding options – while we work intimately with all the major fully-insured medical and ancillary insurance carriers – we also have access to a number of alternative health insurance funding options. Innovative risk management insurance products have the potential to save you thousands of dollars every year. We’ve successfully implemented level-funded, self-insured, and group captive health plans for a number of our clients.
Offload your administrative work – Our goal is to become an extension of your HR department and remove your employee benefits related administrative burdens by working on your behalf to resolve employee issues relating to: claims, ID cards, billing, eligibility and enrollment, qualifying events, payroll deductions, COBRA, and answering benefit related questions (medical, dental, FSA, HSA, life, vision, etc.)
Free technology resources - including an HR hotline and open enrollment portal
Dedicated service team – As part of our relationship based service philosophy, we assign dedicated service teams to your account. Your service team will get to know your business, and you and your employees will be able to reach them directly by phone or email whenever needed.
Compliance - How confident are you that you’re 100% compliant in the areas of ERISA, ACA & HR? We provide turnkey compliance packages around ERISA & HIPPA. Additionally, as part of our pre-renewal meeting we will annually provide a complete compliance audit pertaining to all things ERISA, HIPAA, and ACA. We will also facilitate the preparation of Form 5500s and Summary Annual Reports at no additional cost.
Wellness initiatives - We can build and customize a wellness program specific to your employees’ needs and healthcare data, and will deliver the tools you need to get a successful wellness program off the ground.
All-in-One capabilities – For companies looking to simplify: we are one of the only brokerages in our space to offer business insurance, risk management services, employee benefits, HR outsourcing, payroll services, and employer sponsored retirement plan services all under one roof. Our clients love this because it offers additional efficiencies, cost savings, and superior service. Since all of these services are in-house, we control the level of service you receive.