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MBG is an insurance broker and is not associated, endorsed, or authorized by the Social Security Administration, the Department of Health and Human Services, or the Center for Medicare and Medicaid Services (CMS)
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Medicare

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Extraordinary care for every generation

Find the coverage that is right for you.

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Insurance Plans

We offer a variety of insurance plans for your needs and budget.

Medicare Advantage Plan / Part C

Medicare Part C is available through a Medicare Advantage plan and is an alternative to Original Medicare (Part A and Part B). These plans offer the same benefits as Original Medicare and usually include prescription drug coverage (Part D) as well as additional benefits not covered by Medicare.

Benefits

  • Must be enrolled in both parts of Original Medicare (Part A and Part B) and continue to pay your Part B premium.
  • Low or even NO monthly premium in many U.S. counties and pay copays when you use your plan
  • Network plans, like HMO and PPO – we research your doctors to ensure your plan is accepted
  • Includes Part D Prescription Drug coverage
  • Enrollment and dis-enrollment can only occur during Medicare’s Annual Enrollment Period October 15 – December 7
  • No health questions
  • Age and health do not impact rates
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Medicare Supplement
Medigap Insurance

Medicare Supplement, or Medigap, insurance plans fill in “gaps” in basic benefits left open by Original Medicare (Part A and Part B), such as deductibles, coinsurance, and co-payments. The biggest “gaps” most people are concerned about are Part A (hospital) deductibles and out-of-pocket costs as well as the 20% coinsurance Part B (medical) does not pay. Medigap insurance is offered as Plans A through N (not to be confused as Parts A, B, C, and D of Medicare).

Benefits

  • Must be enrolled in both parts of Original Medicare (Part A and Part B) and continue to pay your Part B premium.
  • Pay a premium and you’re covered – the most benefit-rich plans have minimal out-of-pocket expenses and co-pays
  • NO networks with freedom to go anywhere in the U.S. that takes Original Medicare.
  • Does NOT include Part D Drug Coverage – we custom-tailor a standalone drug plan ensuring you don't overpay for your prescriptions
  • No extras – dental and vision can be obtained with a standalone plan
  • Health questions later – when outside of your open enrollment period (when you are new to Part B), carriers ask health questions and can decline you based on certain health history
  • Change from supplement to supplement any month you choose as long as you are healthy enough to qualify
  • Rates increase as you age
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Medicare Prescription Drug Plan / Part D Coverage

Medicare Part D is available to help with prescription drug costs and is available in two ways.

  1. Enrolling in a Medicare Advantage Plan (Part C), or
  2. Enrolling in a stand-alone Medicare Prescription Drug Plan that works alongside your Original Medicare benefits (Part A and Part B). With this option, most clients also have a Supplement (Medigap) plan to fill the “gaps” left open by Original Medicare.

Benefits

  • Each plan has its own formulary, or list of covered medications. These formularies specify the tier level of each covered drug, from preferred generic (least expensive), to brand, to specialty (most expensive). These formularies are all different carrier to carrier and can be very confusing, causing many people to enroll in the wrong plan resulting in dramatically overpaying for their medications.
  • Requires a monthly premium and subsequent copays when filling your medications at the pharmacy or via mail-order
  • There are dozens of plan options based on zip code, all with varying deducitlbes and copays. Each plan classifies generic and brand name meds differently; the wrong drug plan can cost you thousands.

The coverage gap or “donut hole” is a very confusing concept for people that have expensive medications. Click here for details and examples.

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Other Insurance

We offer a variety of insurance plans for your needs and budget.

Dental

Standalone plans offer the most comprehensive coverage, giving you up to $5,000 per year of benefits covering  preventative and major services. Some plans are network-based while others give you the freedom to choose any provider. Some plans are combination plans that include Vision and Hearing benefits.

affordable care act / obamacare

If you’re not yet eligible for Medicare, or maybe you have a younger spouse that still needs ‘regular health insurance,’ we can help. We certify each year with the marketplace so we can offer our non-Medicare customers the best coverage possible, taking advantage of all the tax credits we can to save you money.

 

indemnity / critical illnes

Even with the best health insurance coverage, there can still be large out-of-pocket expenses and unexpected costs when dealing with a hospitalization or serious illness. These plans fill more ‘gaps’ like deductibles and copays and can even pay lump sum cash benefits upon diagnosis of a critical illness like cancer, heart attack, and stroke.

 

life insurance / final expense

A popular and inexpensive option, final expense life insurance, is a whole life, level term plan that does not require an exam. It tailors to those looking for an inexpensive way to cover burial expenses and to settle affairs upon passing.  We even have plans that are guaranteed to be issued, with no health questions for those that have pre-existing conditions.

 
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Trust Us to Handle Your Medicare Needs

Let us take care of your Medicare needs. You can trust us to do so.

About Us

We are here to help you put together the pieces of your Medicare puzzle.  Our service is completely free. There is not a one-size-fits-all solution as everybody has different needs, health, and budget.

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This is a proprietary website and is not associated, endorsed, or authorized by the Social Security Administration, the Department of Health and Human Services, or the Center for Medicare and Medicaid Services (CMS). This site contains decision-support content and information about Medicare, services related to Medicare, and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov

DISCLAIMER:

We do not offer every plan available in your area. Currently we represent 10 organizations which offer 85 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Jim Neil | Licensed Agent | CEO
direct: 734-657-4797
email: Jim.Neil@MedicareBenefitsGroup.com

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