Health Plans for Seniors

As we age, our health insurance needs evolve. Stark & Associates Insurance understands the unique challenges seniors face when navigating Medicare and other health insurance options. Our goal is to provide seniors with clear, comprehensive information and support in selecting the right health plans that offer peace of mind and security during their golden years.

Medicare Supplements

Medicare provides valuable health coverage, but it doesn’t cover everything. Medicare Supplement Insurance, also known as Medigap, helps fill those gaps by covering out-of-pocket costs like copayments, coinsurance, and deductibles that Medicare Parts A and B don’t cover. Our team at Stark & Associates can guide you through the various Medigap policies to find one that aligns with your medical needs and financial situation, ensuring you’re fully protected.

Medicare Advantage

Medicare Advantage Plans, also known as Medicare Part C, offer an alternative way to receive your Medicare benefits. These plans are provided by private insurance companies approved by Medicare and often include benefits beyond Original Medicare, such as vision, dental, and hearing coverage. Some plans even offer wellness programs and organized fitness plans to help you maintain a healthy lifestyle. Our experts can help you understand the differences between Medicare Advantage Plans and find one that suits your health care preferences and lifestyle.

Medicare Part D

Medicare Part D plans add prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans. With a variety of plans available, it’s crucial to find one that covers your medications at a cost-effective price. Stark & Associates provides personalized assistance in comparing Part D plans, ensuring your prescriptions are covered without breaking the bank.

Long-Term Care Insurance

As life expectancies increase, so does the potential need for long-term care, whether in-home, at an assisted living facility, or a nursing home. Medicare and most health insurance plans, including Medicare Supplement Insurance (Medigap), don’t cover long-term custodial care. Long-Term Care Insurance helps cover these services, safeguarding your savings and giving you more control over your care choices. Our knowledgeable team can help you explore Long-Term Care Insurance options, ensuring you’re prepared for whatever the future holds.