Senior Division
BMC Agency offers a full line of quality products for Seniors, including several Medicare+ Choice or Medicare Advantage Plans. Medicare Advantage Plans are health plan options that are approved by Medicare and run by private companies. They are part of the Medicare Program, sometimes called Part C. When you join a Medicare Advantage Plan, you are still in Medicare. In many cases, your costs for services can be lower than in the Original Medicare Plan.
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Your Medicare Options You have many choices when it comes to selecting Healthcare Options, and no single one is best for everyone. Only with accurate and detailed information can you make the best choice for YOU! We’re BMC Agency, Inc. and we have been helping Seniors for over 30 years. Our licensed & certified representatives are familiar with the options available to qualified Medicare Beneficiaries.
Original Medicare You must first have Original Medicare Part “A” (hospital) and Part “B” (medical) in order to select any other Medigap or Medicare +Choice (Medicare Advantage) option. Medicare is great, but could leave much for you to pay. Which option is best for you?
Medicare Advantage Beneficiaries in many areas may select Medicare Advantage Plans, which are health plan options that are approved by Medicare and run by private companies. The benefits must be equal or superior to Original Medicare, and often have no premium cost to you. However, Medigap plans do not work with MA and MAPD programs, so there can be some exposure, which can vary greatly from plan to plan. How does this exposure compare to the premiums saved by no longer paying a Medigap premium?
Medigap Millions of Seniors choose Medigap plans to supplement their Medicare. There are 10 separate Government regulated plan designs from which to choose, and their benefits and premiums vary greatly, as do the premium variations from company to company on the identical protection. Plus, the premiums can be substantial. So, If Medigap is best for you, which plan and from whom?
The Hospital cost exposure with MA plans can be reduced or eliminated with a quality Hospital Indemnity plan, which might cost much less than a Medigap plan, but pre-existing health problems keep some from qualifying, as these plans are virtually ALL medically underwritten. Would your situation benefit from an HI plan, and if so, how much? HI plans offered through BMC Agency.
Life Insurance When polls are conducted, a high percentage of seniors say that they feel underinsured for life insurance. If you do too, how much and what kind are important questions to be answered. Life Insurance offered through BMC Agency.
Long Term Care This important consideration can be addressed as well. There may be no better time that turning age 65 to address this need, as many folks are just ending expensive Major Medical policies, freeing up the necessary premium dollars.
So Many Questions & So Few Clear Answers!
That's where we come in! With NO COST or OBLIGATION, the licensed and certified professionals of BMC Agency, Inc. can help you understand the confusing aspects of the various products and programs available to seniors!
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BMC Agency, Inc. is a licensed insurance agency, not affiliated with Medicare, Social Security or the US Government. |
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