Get and Compare Quotes for Health Insurance and Medicare

Getting a quote for Health Insurance and Medicare Supplement plans has never been easier. You can also compare Medicare Advantage plans with our easy-to-use comparison tool.

Compare Medicare Advantage plans to find the best match for your personal needs with no obligation!

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What to Look for When You Get a Quote for Health Insurance and Medicare

If you’re new to Medicare Advantage Plans, it might be hard to know what to look for in a plan. Medicare is not a comprehensive plan, nor are Medicare Advantage plans. You should take the time to consider your unique medical needs as you look for the right plan.

When you’re looking at different Medicare Plans, you should know that each lettered plan will offer at least the same level of coverage in each state. However, if you plan on joining another type of Advantage plan, your coverage will be different depending on the organization.

Here are a few points to help you compare and decide which plan might be right for you.

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Part A and Part B

Also known as Original Medicare, these plans usually come together as a package deal. However, it is possible to receive Medicare Part A without Part B. Essentially, these two parts cover many medical services such as:

  • Hospice care
  • Skilled nursing center care
  • Home healthcare services
  • Yearly wellness visits
  • Lab work
  • Mental healthcare
  • Ambulance care

The costs of Original Medicare are fee-for-service and can be charged monthly. Typically, both Part A and Part B have individual costs charged monthly.

Learn more about Medicare Part A and Part B.

Part C

Medicare Part C is actually Medicare Advantage and has several different coverage options. The options typically include coverage for hospital care, medical care, dental care, vision care, and sometimes prescription drugs. Types of Advantage plans include health maintenance organizations (HMO), preferred provider organizations (PPO), private-fee-for-service (PFFS), and special needs plans (SNP). Learn more about Medicare Advantage.

HMO – Health Maintenence Organization

Joining an HMO gives you coverage to help you maintain your health. You will have access to wellness visits and coverage for preventative care. These plans are more restrictive than others but have reduced costs compared to PPOs. However, so long as you receive coverage within your provider’s network, your costs will be reduced. Learn more about HMO coverage.

PPO – Prefered Provider Organization

In comparison to other Advantage plans, PPO plans can give you more freedom when needing to see a provider. However, there are some higher costs associated with these types of plans. Learn more about PPO coverage.

PFFS – Private Fee For Service

These types of plans are offered by private insurance companies that determine costs when you join the plan. The insurance company will decide how much to pay providers and hospitals, as well as how much you will pay for a premium. 

There is some flexibility associate with these plans, but you will be responsible for making sure your plan is accepted when you get medical care. Learn more about PFFS plans.

SNP – Special Needs Plan

These plans are specifically designed for individuals who need extended medical care or who have disabilities. These plans can be used to cover sudden medical needs, as well as prescription drugs. Most often, these plans help people with end-stage renal disease (ESRD) to receive the medical care they need. Learn more about SNPs.

Part D

Medicare Part D offers prescription drug coverage. These plans are offered by the Federal government and not a private insurance company. 

When choosing this kind of plan, it will be important to know your prescription drug needs, because certain prescriptions may not be covered. Learn more about Medicare Part D.

Other Considerations

As you research plans, know that which types of plans that are available will depend on your location, age, and medical history. This is especially true for Medicare Advantage Plans because they are offered by private insurance companies.

When you look at a quote for health insurance or medicare, take time to look at the different costs associated with the plans you’re considering. Each plan will have different deductibles, copays, and coinsurance costs on top of unique premiums. We also have some helpful instructional videos from our health insurance agents to answer some frequently asked questions.

Trying to decide on a Medicare Advantage plan, or a simple Medicare plan can be overwhelming and confusing. That’s why we’re here—to simplify the process and help you get the most out of Medicare. 

When you think Medicare, think Buffalo.

Health Insurance Recommendations Outside of Medicare

Our health agents can help you compare and evaluate several types of health insurance plans if you don’t qualify for Medicare. We work with several well-known insurance providers to find the best options for you.

We work with companies such as:

  • Aetna
  • Anthem Blue Cross Blue Shield
  • Cigna
  • CVS Health
  • Humana
  • Oscar

Additionally, we can help you examine short-term plans, Medi-Share, fixed benefit plans, dental plans, and vision plans. 

Short-Term Health Insurance

Also called temporary and term insurance, these plans can be used to bridge gaps in coverage. These plans can provide health care for up to a year, in order to give you enough time to join a full-benefit health care plan.

Medi-Share

This health insurance option allows you to share the costs of healthcare among a network of subscribing members. You pay a monthly premium towards your bills up to a certain amount, at which point your premiums will help pay for other member’s bills.

Fixed Benefit Plans

Also called fixed indemnity plans, these plans allow you to customize your healthcare benefits. If you feel you only need a few visits per year, then that’s all you have the pay for. Your health agent can help you decide if this is the right plan for you.

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