STEVE TRUMAN | Licensed and Certified Independent Agent
With so many health insurance solutions available, it can become overwhelming to find the the plan that covers your needs and fits your budget. Equally difficult is determining if you are eligible for a particular plan. This is where I can help.
As a licensed, and AHIP certified agent, I work with a wide range of reputable insurance companies that offer the leading Medicare Advantage, Medicare Supplement and Medicare Prescription Drug health plans in Ohio.
My goal is to work with you, listen to your needs, and provide a wide range of health plans, comparing the benefits and drawbacks of each of them so you are able to make a well-informed decision.
Guiding you through the entire process.
Original Medicare is comprised of Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) . Though Original Medicare pays for many services, there are a number of costs that it does not cover, such as prescription costs, co-pays and more.
This health plan, also known as "MA" offers the same benefits of Original Medicare along with additional benefits, such as coverage for routine dental or eye checkups, prescription drug costs, and more. MA plans are offered through private health insurance companies.
Medicare Supplement, or Medigap plans are an option that can help pay for out-of-pocket expenses not covered by Original Medicare, such as co-payments and deductibles.
Part D plans add prescription drug coverage to your Original Medicare plan covering out-of-pocket expenses associated with prescription medicines.
Outpatient prescription drugs are not covered under Medicare. Buying a Part D prescription drug policy can cover this gap.
Medicare does cover a large portion of medical expenses but deductibles and co-pays are your responsibility. Ask me about a Medigap policy to help cover these expenses.
There is some coverage under Medicare for skilled nursing services, but none for custodial care, such as help with bathing, dressing, and other activities of daily living. A long-term-care insurance policy or a combination of long-term-care and life insurance can help cover these costs.
While Medicare does not generally cover routine eye exams or glasses, some Medicare Advantage (MA) plans provide vision coverage. A separate supplemental policy that either provides vision coverage, or both dental and vision care, is also a purchase option.
Medicare does not provide coverage for most routine dental visits, teeth cleanings, fillings, dentures, or tooth extractions. Enrolling in a separate dental policy or using built up monies in a health savings account can be help cover any out-of-pocket costs.
Hearing aids are not typically covered by Medicare but there are some Medicare Advantage plans that cover both hearing aids and fitting exams.
Find out before you go! Don't let gaps in coverage catch you off guard in your travels. I can help you secure full protection from trusted providers for travels outside the United States.
Steve Truman | 888-447-0234