.02 Our Services

Medicare Advantage Plans

Medicare Advantage plans are becoming increasingly more popular. These plans offer comprehensive coverage and are affordable. Medicare Advantage plans have an all-inclusive vibe where they combine the benefits of Part A (medical) and Part B (hospital), while also including additional coverage such as Part D (prescription drugs), dental, vision, and hearing services. What makes Medicare Advantage plans so attractive is that they provide comprehensive care in one package, often with lower out-of-pocket costs and extra perks not covered by traditional Medicare. Many of these plans have no monthly premium or a very low monthly premium. In addition, many plan options offer extra benefits built into the plan such as flex cards for groceries, utility bills, over-the-counter (OTC) allowances, gym memberships, transportation services, and Part B premium reduction benefits. For our veterans, we also offer MA only (no prescription drug coverage necessary) with many of the same extra perks!

Medigap Supplement | PDP Plans

If a client chooses to keep Original Medicare as their primary insurance, that's fine! Medicare Supplement plans, also known as Medigap plans, are insurance policies designed to help cover the healthcare costs that Original Medicare does not fully pay, such as copayments, coinsurance, and deductibles. The typical split of what the government covers and what a client is responsible for is 80/20. These plans supplement the 20% a client is responsible for with Part A (medical) and Part B (hospital) by filling the gaps in Medicare with a range of coverage options. By reducing out-of-pocket expenses and providing predictable healthcare costs, beneficiaries have peace of mind. However, these plans tend to have higher monthly premiums and do not cover Part D (prescription drugs). No worries though! We can help you find a stand-alone PDP plan to pair with your Medicare Supplement plan. If you want dental, vision, and/or hearing, we can explore the separate options for those too!

Life Insurance, Annuities, and more!

Although healthcare insurance is our main focus at TruCare, we do offer life insurance policies. In regard to healthcare, there are hospital indemnity plans, and other add-on riders from which we can choose to best suit your personal needs!