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Your Future is our Present
We are in relentless pursuit of what is in the best interest of our clients; working hard to serve our clients in a way that encourages their prosperity and financial well-being.
We strive to provide exceptional value by understanding the goals and needs of our clients and superior service by being accessible and proactive.
Medicare
Get help navigating Medicare. Say “no” to calling an 800 number, instead, call a certified Medicare specialist to guide you through your choices.
Long Term Care
Having adequate long-term care insurance is an important determinant of a financially secure retirement. Long0term care insurance is a solution for the family.
Life Insurance
Life insurance provides financial protextion and peace of mind to one’s loved ones. It is an effective estate planning tool
About Us
Babs is a second-generation insurance professional who began her career 26 years ago by following her father’s footsteps. She carries forward the same attitude of service to the customer that has exemplified her father’s long career. Feel free to explore the resources available on my website, and whenever you’re ready for assistance or considering enrollment, please don’t hesitate to reach out to me. I’m here to help!
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What is Medigap?
What You Need To Know About Medicare
Traditional Medicare may not cover all your healthcare needs. “Medigap,” or Medicare Supplement Plans, can fill in some of those gaps in coverage.
How does Medigap differ from Medicare?
- Medigap plans cover some or all costs after Medicare has paid its portion of a medical bill.
- Medigap can help cover copays, coinsurance and deductibles.
How do I choose a Medigap plan?
- There are 10 types of Medigap plans. Private insurers administer Medigap plans but do not have to offer all 10 types.
- Plans A and B are the least comprehensive. They cover hospital copays and Part B coinsurance but not care outside the United States
- Plans C, F and G are the most comprehensive and may help cover Part B deductibles or excess charges, which occur when a doctor charges Medicare more than the Medicare-approved amount.
- Plans C and F are not available to people who became eligible for Medicare on or after January 1, 2020.
- The comprehensiveness of the benefits for Plans D, K, L, M and N is somewhere in the middle.
- You may enroll in a Medigap plan without answering medical questions during the 6 months after you in roll in Part B. After that, an insurer can deny your application for Medigap coverage unless you meet certain requirements.
