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. Accident Insurance can be used not only to offset the costs associated with an accident such as ambulance transportation, emergency room visits, X-rays and rehabilitative therapies, but also for ordinary daily bills.
Medicare Advantage plans are new health care options that are part of the Medicare program. Coverage may include Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services. 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 copayments, coinsurance, and deductibles.
Medicare Part D is the federal government's prescription drug program that covers both brand-name and generic prescription drugs at participating pharmacies in your area. If you are diagnosed with a covered illness like Cancer, Heart Attack, Stroke or Alzheimer's disease, Critical Illness insurance pays typically pays a lump sum.
Medicare Advantage plans are new health care options that are part of the Medicare program. Coverage may include Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services. 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 copayments, coinsurance, and deductibles.
Medicare Part D is the federal government's prescription drug program that covers both brand-name and generic prescription drugs at participating pharmacies in your area. If you are diagnosed with a covered illness like Cancer, Heart Attack, Stroke or Alzheimer's disease, Critical Illness insurance pays typically pays a lump sum.
Services
For over 27 years, Pat Finch operated Finch Insurance Services while Jim Pirkle operated Financial Affairs & Insurance Services.
Our two businesses helped thousands of Californians obtain group and individual insurance coverage.
In 2011 we combined efforts under Finch and Pirkle Insurance & Financial Affairs.
Today, we and our staff are better prepared to serve our clients and many more in a constantly changing marketplace.
Whether you buy online or in person, an agent is ALWAYS involved with your purchase, even though you may never meet them.
Our two businesses helped thousands of Californians obtain group and individual insurance coverage.
In 2011 we combined efforts under Finch and Pirkle Insurance & Financial Affairs.
Today, we and our staff are better prepared to serve our clients and many more in a constantly changing marketplace.
Whether you buy online or in person, an agent is ALWAYS involved with your purchase, even though you may never meet them.
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.
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.
Part A Hospital Insurance - Most people don't pay a premium for Part A because they or a spouse already paid for it through their payroll taxes while working.
Medicare Part A (Hospital Insurance) helps cover inpatient care in hospitals, including critical access hospitals, and skilled nursing facilities (not custodial or long-term care).
It also helps cover hospice care and some home health care.
Beneficiaries must meet certain conditions to get these benefits.
Part B Medical Insurance - Most people pay a monthly premium for Part B. Medicare Part B (Medical Insurance) helps cover doctors' services and outpatient care.
Medicare Part A (Hospital Insurance) helps cover inpatient care in hospitals, including critical access hospitals, and skilled nursing facilities (not custodial or long-term care).
It also helps cover hospice care and some home health care.
Beneficiaries must meet certain conditions to get these benefits.
Part B Medical Insurance - Most people pay a monthly premium for Part B. Medicare Part B (Medical Insurance) helps cover doctors' services and outpatient care.
Medicare Advantage Plans, sometimes called Part C, are health plan options that are part of the Medicare program.
If you join one of these plans, you generally get all your Medicare-covered health care through the Medicare Advantage Plan.
This coverage can include prescription drug coverage.
When you join a Medicare Advantage Plan, you use the health insurance card that you get from the plan for your health care.
In most of these plans, there generally are extra benefits and lower co-payments than in the Original Medicare Plan.
If you join one of these plans, you generally get all your Medicare-covered health care through the Medicare Advantage Plan.
This coverage can include prescription drug coverage.
When you join a Medicare Advantage Plan, you use the health insurance card that you get from the plan for your health care.
In most of these plans, there generally are extra benefits and lower co-payments than in the Original Medicare Plan.
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.
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.
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