Allen Bonvillain Insurance LLC is a completely independent insurance agency specializing in Senior Insurance Solutions. We work with the top insurance companies so we can offer our clients the best coverage for them. Our clients are located all across Louisiana giving us a great feel for the insurance landscape. We design plans with a focus on low costs, and tax-efficiency, which we combine with personalized insurance advice aimed at helping our clients make better-informed decisions.
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A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits.
Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans.
If you're enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren't paid for under Original Medicare.
Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans.
If you're enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren't paid for under Original Medicare.
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.
Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. 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.
Then your Medigap policy pays its share.
Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. 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.
Then your Medigap policy pays its share.
Medicare offers prescription drug coverage to everyone with Medicare.
If you decide not to join a Medicare Prescription Drug Plan when you're first eligible, and you don't have other creditable prescription drug coverage, or you don't get Extra Help, you'll likely pay a late enrollment penalty.
To get Medicare drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare.
Each plan can vary in cost and drugs covered.
These plans (sometimes called "PDPs") add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.
If you decide not to join a Medicare Prescription Drug Plan when you're first eligible, and you don't have other creditable prescription drug coverage, or you don't get Extra Help, you'll likely pay a late enrollment penalty.
To get Medicare drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare.
Each plan can vary in cost and drugs covered.
These plans (sometimes called "PDPs") add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.
Dental insurance is a type of health insurance designed to pay a portion of the costs associated with dental care.
There are several different types of individual, family, or group dental insurance plans grouped into three primary categories: Indemnity (or sometimes called: true dental insurance) which allows you to see any dentist you want who accepts insurance, Preferred Provide Network dental plans (PPO; briefly discussed below), and dental Health Managed Organizations (DHMO) in which you are assigned to an in-network dentist or in-network dental office and must stay within that network to receive your dental benefits.
There are several different types of individual, family, or group dental insurance plans grouped into three primary categories: Indemnity (or sometimes called: true dental insurance) which allows you to see any dentist you want who accepts insurance, Preferred Provide Network dental plans (PPO; briefly discussed below), and dental Health Managed Organizations (DHMO) in which you are assigned to an in-network dentist or in-network dental office and must stay within that network to receive your dental benefits.
Final expense needs are usually covered with a whole life insurance policy.
The benefits of whole life insurance include a guaranteed level premium that can never be increased, guaranteed cash value and a guaranteed death benefit that can never be decreased.
The cost of final expense coverage is very affordable, even if you have some health problems.
The application process is quick and easy.
You can apply for final expense insurance coverage without having to undergo any medical examination - you simply answer the questions on the application.
The benefits of whole life insurance include a guaranteed level premium that can never be increased, guaranteed cash value and a guaranteed death benefit that can never be decreased.
The cost of final expense coverage is very affordable, even if you have some health problems.
The application process is quick and easy.
You can apply for final expense insurance coverage without having to undergo any medical examination - you simply answer the questions on the application.
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