STEVE TRUMAN | Licensed and Certified Independent Agent

CHOOSE A MEDICARE PLAN JUST RIGHT FOR YOU

Let me help by guiding you through the many plan options to find the one that best suits your needs.

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.

Guiding you through the entire process.

MEDICARE HEALTH PLANS

ORIGINAL MEDICARE PART A AND PART B

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.

MEDICARE ADVANTAGE (PART C)

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 (MEDIGAP)

 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. 

MEDICARE PRESCRIPTION DRUG (PART D)

Part D plans add prescription drug coverage to your Original Medicare plan covering out-of-pocket expenses associated with prescription medicines.  

Medicare coverage gaps

Prescription Drugs

Outpatient prescription drugs are not covered under Medicare.  Buying a Part D prescription drug policy can cover this gap.

Deductibles and Co-Pays

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.

Long-Term Care

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.

Routine Vision Care

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.

(Most) Dental Care

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

Hearing aids are not typically covered by Medicare but there are some Medicare Advantage plans that cover both hearing aids and fitting exams.

TRAVELING ABROAD?

Medicare Overseas

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.

Contact me

I'm here to help answer your Medicare questions!

Better yet, call to schedule an in-person meeting

Steve Truman | 888-447-0234

Midwest Health Insurance Associates