Health InsuranceHealth Insurance for groups and individuals can be a challenge in today’s confusing healthcare environment. However, Heacock’s health insurance experts can assess your unique circumstance to determine the best solution for your family or business. Our professional staff constantly reviews all the rapidly changing requirements and is knowledgeable about the options available.
Purchased by an employer and offered to eligible participants, this type of plan provides employer-sponsored health insurance coverage by spreading risk over the company. There are many options to choose from such as; PPO, HMO, HSA-qualified and HRA-qualified plans. Our agents can provide guidance about your various options and help you secure the option that works best for your company.
Known as an individual health plan. Currently we offer Short-Term non ACA compliant Plans for individuals under 65.
For those enrolled in Medicare Part A & B a Medicare Supplement policy can help pay some of the health care cost that Medicare doesn’t cover, such as deductibles, coinsurance and copays. Let our Medicare Specialist help you navigate through your options and find the plan that fits your medical and financial needs. New to Medicare? Contact us for a free brochure “Medicare Made Clear.” We will be happy to meet with you one on one and answer all your Medicare questions.
Medicare Advantage Plans are offered by a private company that contracts with Medicare to provide all Part A and Part B benefits with lower or even $0 monthly premiums and a maximum annual out-of-pocket cost, which provides predictability when it comes to the member’s cost share.
These plans are network driven with local access to a broad group of doctors, hospitals, pharmacies and other providers. They usually include prescription drug coverage, dental, vision, hearing, foot care, over-the-counter health products and a fitness program to help you live a healthier life. Our Medicare Specialist can help you determine your best option.
Every year there is a Nation-wide open enrollment for Part D from October 15-December 7. It’s common to have 20-30 plans in one area to choose from. Let us help you find the right plan for you based on your current prescriptions. Carriers changes the list of prescriptions they coverage as well as their prices from year to year. It’s important to shop this coverage every year! We can give you peace of mind that you are the best plan for your circumstances.