Insurance Plans

Medicare Advantage and Prescription Drug Plans
These plans are available - please contact us for further information.

Medigap (Medicare supplement plans)
Medigap insurance plans are also called Medicare supplement plans.  These plans are designed to supplement the coverage gaps that exist in Medicare Part A and Medicare Part B (Original Medicare).  Medigap plans are not part of the Medicare health insurance program; these plans are managed and administered by private insurance companies and are mainly regulated at the state level.

Medigap plans have premiums to be paid, but they have no deductibles, and most Medicare supplement plans do not contain any copayments or coinsurance amounts to pay for health care services that you receive.  Typically, the medical billing is automatically carried out between Medicare and the insurance company of your policy.  You have an open enrollment period, to purchase a Medicare supplement plan, regardless of your health, when you become eligible for Medicare.  As long as you continue to pay your premium, you may not be cancelled from a Medigap policy.  Your Medigap premiums will likely go up in future years.  Depending on the condition of your health and other factors, you may or may not be able to switch between Medigap plans, once your open enrollment period ends.  Informed Choice offers a variety of Medigap plans.  Many of our senior clients are very satisfied with choosing a Medigap policy as health care insurance option.

Long Term Care Insurance
Informed Choice offers Long Term Care insurance plans to those wishing to gain insurance to help pay for the high cost of long term health care facilities and services.  A long term care insurance policy may help to protect your assets and may give you greater control over your future health care options.  There is much to know before purchasing a long term care insurance plan, and there are usually many adjustments you can make to a policy so that it is best-suited to your needs .  If you are interested in Long Term Care insurance, please call Informed Choice to set a personal appointment.

Major Medical insurance plans
Informed Choice offers major medical health insurance plans for those, who are normally under 65 years old, and who are seeking individual health insurance coverage, or health insurance coverage for a family.  Informed Choice offers a variety of major medical health insurance plans from different insurance companies.  If you are looking for an immediate health insurance quote from most, but not all of the companies Informed Choice represents, please click here.  If you would prefer to have all health insuance plan options quoted and to discuss your coverage personally, please set a personal appointment or contact us via email requesting a major medical health insurance quote.

Supplemental Health Insurance Plans
Informed Choice offers some unique supplemental health insurance plans, such as cancer insurance and critical illness plans, short term medical insurance, dental plans, and travel insurance.

Life insurance
In addition to health insurance, Informed Choice offers some ordinary life insurance plans and some very unique life insurance plans, including youth-life and final expense plans.  We have a full line of competitive simplified-issue whole life plans available, and are able to qualify most individuals for life insurance, even when health conditions are present.  Informed Choice also offers youth life insurance plans, which are purchased by parents or grandparents for the benefit of their children or grandchildren.  In later life, the child can own the policy and buy-up the policy’s face value, without evidence of insurability.   A youth life insurance plan makes a perfect gift for a “young one.”  If you are interested in a life insurance policy, with a small to moderate face value, please contact Informed Choice to arrange a personal appointment, or click here to contact us by email.