
Our Services
• Medicare
• Health Insurance
• Life Insurance
• Home Insurance
• Auto Insurance
• Business Insurance
A federal program that provides individuals 65 years or older healthcare coverage for a small cost. This public health care coverage program started in 1965 under the Social Security Administration (SSA) and is presently controlled by the Centers for Medicare and Medicaid Services (CMS). This also covers those granted social security disability, and have received disability payments for at least 24 months. Medicare also applies to people with end-stage renal disease and ALS (Lou Gehrig’s Disease).
Part A (Hospital Coverage)
Part B (Medical Coverage)
Part C (Medical Advantage)
Part D (Prescription Drug Coverage)
Part A (Hospital Insurance) covers inpatient hospital care, skilled nursing facility, hospice, lab tests, surgery, and home health care.
Part B (Medical Insurance) covers, including doctor and other health care providers’ services and outpatient care. Part B also covers durable medical equipment, home health care, and some preventive services.
Part C (or Medicare Advantage) is another way that you can get coverage, offered by Private insurance companies that Medicare contracts with to combine Parts A, B, and D together. This provides members with a Managed Care option which usually includes prescription drug coverage (Part D). Most of these also include dental, vision, hearing and some transportation and much more. Depending on what area you live in, companies can have different plans to choose from.
Medicare Advantage, Part D, and Medigap are all offered by private insurance companies. This is where our experienced advisors come in. We can take all the guesswork out for you, and help you to feel confident in the decision you make to choose a plan.
Supplement insurance helps protect you from unexpected out-of-pocket health care costs, while also giving you the freedom to choose your own doctors and enjoy permanent coverage that you can keep even if your health changes.
Benefits of Choosing a Medicare Supplement
Part D Penalty is calculated by multiplying 1% of the National base Part D premium times the # of months you went without drug coverage. These penalties are paid according to how long you have been without a plan and you pay this penalty plus the drug premium for the duration of your policies. This means FOREVER! Remember that even if you are of great health you still need a Drug plan to avoid paying a penalty. If you have maintained drug coverage through an employer, the penalty does not apply.
For most people, transitioning to Medicare for the first time can seem like a very complicated process. You may wonder:
These and many other questions can be answered by your experienced insurance advisor at Insurance Advisors of TN.
Why call an 800 number for something as important as your health benefits! 800 Numbers are like revolving doors, you will always get a different representative. When you reach out to us, you’ll have a personal relationship with someone that cares.
Looking for Obamacare in Tennessee? Call our specialists today.
Insurances we carry: Aetna, BlueCross BlueShield of TN, Cigna, Humana, Mutual of Omaha, United Healthcare, WellCare, Bright Health, Oscar, & Molina.
*No Fees for Our Service… EVER!