Michael Tobias
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We specialize in Medicare health insurance and offer a wide range of options from many carriers to help you find the best fit. It's important to understand the choices you have in plans and how those choices can affect your health and budget. Take a few minutes to explore our site, to learn about the types of coverage we provide and the educational resources we offer.

Remember, we're here to help. Contact us to discuss how we can help meet your unique needs.
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At Medicare-part.com we handle all types of personal insurance including Medicare, Health, Life, Dental and more.
Our firm is staffed by people committed to providing our clients with highly personalized service.
Our objective is simple: To identify and help minimize our clients' exposure to risk.
We accomplish this with emphasis on quality coverage, competitive premiums, and overall simplification of insurance matters.
Our approach is direct: To analyze our clients' complete insurance needs, design a responsible protection program, and recommend insurance that is a cost effective insurance strategy designed for your individual situation.
A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like co-payments, coinsurance, and deductibles.
If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs.
Your Medigap policy pays its share.
A Medigap policy is different from a Medicare Advantage Plan.
Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.
We believe that the better educated you are about Medicare, the easier it will be for you to make the right decisions about your Medicare health insurance choices.
That's why we've created this resource section.
This Medicare information section is here to educate you about your insurance options and provide you with the resources you need to help you select the right plan for your unique needs.
If there's anything you need or if you have any questions, please feel free to contact us.
We are here to help.
Under the Affordable Care Act (ACA), fully insured small group and individual health plans on and off the Exchange/Marketplace must cover essential health benefits (EHB).
Essential health benefits are minimum requirements for all plans in the Marketplace.
Plans may offer additional coverage.
You will see exactly what each plan offers when you compare them side-by-side in the Marketplace.
Ambulatory patient services (outpatient care you get without being admitted to a hospital).
Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy).
Buying insurance of any kind is often confusing.
In order to compare policies by price, you have to be sure that each policy carries the same benefits for the same amount, and figure in a dozen different factors.
It's enough to set your head spinning in most cases.
Term life insurance coverage can be relatively easy to comparison shop.
It simply covers you in the event that you die before the end of the term for which you are covered.
Term life insurance will pay out a specified lump sum to the person that you name as beneficiary in the event that you die before the policy expires.
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