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Medicare Supplement Plans

What are Medicare Supplement Plans?


The Transition to Medicare can be confusing, we are here to help

Whether it’s information through the mail, internet, or word-of-mouth, it can be hard to sort through the noise. We pride ourselves on making your transition to Medicare as simple and understandable as it can be. We represent multiple carriers to ensure you are getting the best possible coverage. We can solve the most complicated Medicare problems and give you peace of mind in a complicated time. We’ll hold your hand and guide you through your transition to Medicare.

We are dedicated to building a lasting relationship with our clients and offer unique customer support tailored to their specific needs. We take a holistic approach to your retirement and work with you to develop a plan that allows you to enjoy the successful retirement that you deserve. We take the time to listen, and will answer all of your questions. We are dedicated to helping you find the coverage right for your health, your budget, and your future. We are committed to our customers and stay on top of the ever-changing marketplace and Medicare supplement options available to you. You are truly the greatest generation and deserve to be treated with respect and integrity.


CLICK HERE TO VISIT OUR MEDICARE INSURANCE SUPPLEMENT SITE

 

In 2003, the Medicare Prescription Drug, Improvement, and Modernization Act was enacted and, subsequently, Randy Hoover became appointed as a licensed Medicare Advantage, Prescription Drug Plan and Supplement plan agent.  He has attended training seminars in Salt Lake City, Utah with Ron Kellogg of Kellogg Insurance Marketing of Utah, one of the top Medicare Advantage and Prescription Drug Plan experts in the country. Annually, Randy is required to complete over 40 hours of continuing education, including AHIP, Medicare Fraud Waste and Abuse and product specific training with Blue Cross Blue Shield, Blue Care Network, United Health Care, Health Alliance Plan, Priority Health, Aetna & Humana.


If you or a loved one is eligible for Medicare Supplement, please contact our office to speak to an agent at (248) 298-4000.

  • Are you confused about Medicare Part D? Contact us about a confidential drug study to assess your drug costs.

We currently represent the following carriers:

Blue Cross Blue Shield of Michigan, Blue Care Network, Aetna, Humana, Medico, United Health Care Medicare Plans, HAP (Health Alliance Plan) , and Priority Health Medicare Plans

Medicare Supplement Problems We Solve

WHAT MEDICARE DRUG PLAN SHOULD I HAVE?

There are three options when it comes to getting prescription drug coverage via Medicare; Medicare Supplement (Medigap), Medicare Part D, and Medicare Advantage (Part C). Each of these options has different pros and cons depending on each person’s situation. You shouldn’t have to navigate these options alone and that’s where we come in. We can give you the information you need and lead you in the direction that is the right fit for you.

HOW DOES MY INCOME CHANGE WHAT I PAY FOR MEDICARE?

This is a very good question. Most people don’t pay a monthly premium for Medicare Part A, but your monthly premium for Part B is based on your annual income. We are happy to provide you with an income grid so that you may determine where you can expect your costs to be. We will help you understand all of the costs that apply to your plan.

WHO DO I CONTACT ABOUT A MEDICARE BILLING ISSUE?

That’s an important question. We understand that issues with Medicare claims and billing can be very stressful. That’s why when you give us a call; you will be immediately connected to a friendly voice from our Medicare Supplement team. We want to take the stress out of your Medicare transition and this includes helping you deal with any and all problems that may arise along the way.

HOW IS MEDICARE SUPPLEMENT DIFFERENT FROM MY COMPANY'S GROUP INSURANCE?

Depending on the size of the company you are employed with, your group insurance would have been either primary or secondary for medical claims. Your new Supplement plan will be secondary to Medicare. All medical claims will first be billed to Medicare and then billed to your Supplement plan for payment. Depending on the supplement plan you have selected, you may no longer have deductibles or networks associated with your claims.

WHAT DOES MEDICARE COVER?

Medicare covers many types of services and procedures. To see if a specific test, item or service is covered by Medicare, you can visit www.Medicare.gov. Of course, if you have any specific questions regarding your plan or a specific detail, our Medicare Supplement Team is always ready to help.

Have a Question? We're Here to Help. 

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