top of page
We Guide You At No Cost
Call us at 804-500-9960
We are appointed with all the major national and local carriers to help you find the best options

We are licensed in VA, MD, NC, GA, SC, DC, NJ, CT, TX, TN, NM, FL, MA & IL
Part A - Hospitalization: What it covers

-
$1,556 Deductible Per Benefit Period
-
New benefit period is started if no re-admittance within a 60 day timeframe
-
-
After deductible is met, Part A covers 100% of costs in most cases
-
Days 61-90 cost $389 per day (per benefit period)
-
Days 91 & beyond cost $778 per day (60 day lifetime reserve max)
-

Client Testimonials
Chris is one of the most professional and customer centric representatives I have ever work with and I would highly recommend him to anyone looking to ensure they have the right insurance to protect their family
- Stephanie
Part B - Professional Services: What it covers

-
$233 Annual Deductible
-
80% Coverage After Deductible
-
No maximum cap or max out of pocket – unlimited risk exposure
-
Part C - Medicare Advantage:
-
Private insurance companies approved by Medicare provide this coverage. In most plans, you need to use plan doctors, hospitals, and other providers or you may pay more or all of the costs.
-
You may pay a monthly premium (in addition to your Part B premium), deductible, copayments, or coinsurance for covered services.
-
Costs, extra coverage, and rules vary by plan.
Part D - Prescription Drug Coverage:
-
Typically used in conjunction with original Medicare & a standard supplement
-
Can be paired with a PFFS Medicare Advantage Plan
-
-
Many drug cards available with varying costs, formularies, co-pays, medication tiers, and pharmacy networks
-
All drug cards must cover substantially all meds in the following six classes:
-
Anti-Psychotic, Anti-Convulsant, Anti-Depressants, Immuno-Suppressant, HIV/AIDS, Antineoplastic
-
-
Unlike standard supplements, Medicare Part D plans can be changed each year during open enrollment
-
Availability of plans varies greatly depending on zip code/county of residence
-
-
Medicare.Gov provides an excellent Part D search tool
Learn More about Medicare Part D here
Medicare ELigibility
Income and Cost Adjustment
Click to visit our YouTube channel for more videos
bottom of page