Medicare Hub

Medicare Advantage:
Medicare Advantage is like an all-in-one alternative to Original Medicare.
It combines your Part A (hospital) and Part B (medical) coverage into a single plan provided by a private insurance company.
These plans may offer extra benefits like prescription drugs, dental, vision, and hearing coverage.
You usually need to use doctors and hospitals within the plan's network.
You may have copayments or coinsurance for the services you receive.
Yes, it's possible to be eligible for both Medicare and Medicaid. This is called "dual eligibility," and it provides additional coverage and financial assistance for individuals who meet the requirements of both programs.
Yes, there are various financial assistance programs available for Medicare beneficiaries with limited income and resources. Examples include the Medicare Savings Programs, Extra Help/Low-Income Subsidy for prescription drugs, and state-specific programs that help cover Medicare premiums and other costs. Schedule a call with me today!
Medicare supplements, also known as Medigap plans, are private insurance policies designed to work alongside Original Medicare (Part A and Part B). These plans help cover the "gaps" in Medicare coverage, such as deductibles, copayments, and coinsurance. Medicare supplements are standardized and offered by various insurance companies. They provide additional financial protection and can help reduce out-of-pocket costs for healthcare services for individuals with Original Medicare.
Medicare Advantage:
Ideal for individuals who prefer having comprehensive coverage in a single plan.
Well-suited for those who want additional benefits beyond what Original Medicare offers, such as prescription drug coverage, dental, vision, or hearing services.
Suited for individuals who are comfortable using a network of doctors and hospitals.
Can be a good fit for those who prefer predictable copayments or coinsurance for healthcare services.
May be a preferred option for individuals who are relatively healthy and do not anticipate frequent hospital visits or extensive medical needs.
Medicare Supplements (Medigap):
Ideal for individuals who prefer more flexibility and freedom in choosing healthcare providers.
Well-suited for those who want a plan that helps cover the out-of-pocket costs associated with Original Medicare, such as deductibles and coinsurance.
Can be a good fit for individuals who require frequent medical care or have ongoing health conditions, as Medigap plans can help reduce overall healthcare costs.
Suited for individuals who travel frequently and want coverage that extends nationwide.
May be a preferred option for individuals who value stability and consistency in their healthcare coverage, as Medigap plans provide standardized benefits across different insurance companies.
Ultimately, the ideal candidate for Medicare Advantage or Medicare Supplements depends on individual preferences, health needs, and budget considerations. It's important to review and compare the available plans with Nu Horizon licensed professionals, considering factors like coverage, cost, network restrictions, and personal healthcare requirements before making a decision.

Life Insurance & Annuities

Absolutely. Life insurance allows you to leave a meaningful legacy for your family by providing them with the financial resources to fulfill dreams, pursue higher education, start a business, or support charitable causes that are close to your heart. It ensures that your impact and values continue to resonate for generations to come.
There are primarily two types of life insurance: term life insurance and permanent life insurance. Term life insurance provides coverage for a specific period (term) and is generally more affordable. Permanent life insurance, such as whole life or universal life, offers coverage for your entire life and can also accumulate cash value.
To choose the right life insurance policy, consider your financial goals, dependents' needs, budget, and long-term plans. Assess factors like coverage amount, duration, affordability, and any additional features or riders that align with your specific circumstances. Consulting with a licensed insurance professional here at Nu Horizon will provide valuable guidance.

Individual & Family Medical, Dental, and Vision Insurance

Individual and family health plans provide medical coverage for individuals and their families. These plans help protect against high medical costs, provide access to healthcare services, and ensure timely and affordable treatment for illnesses or injuries.
When selecting a health plan, consider factors such as the coverage offered, including dental and vision care, the network of healthcare providers, the cost of premiums, deductibles, copayments, and coinsurance, as well as any specific healthcare needs of your family members. Evaluating these factors will help you find a plan that meets your healthcare requirements and budget.
While individual and family health plans have standardized coverage options, you can often customize them to some extent. For example, you may have choices regarding the level of coverage, the network of healthcare providers, or the inclusion of additional benefits like dental and vision care. Reviewing different plan options and consulting with an insurance professional can help you find a plan that aligns with your specific needs.