TenBroeck Insurance Services

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.

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.

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.

Personal Insurance products from TenBroeck Insurance Services provides our customers with protection for their homes, automobiles and personal possessions, along with personal liability coverages.
How we serve you is as important as what we provide.
First, we listen to you, and then we discuss your needs and answer your questions.
Next, we look at both your short-term and long-term objectives and help put your insurance and planning needs in perspective.
We partner with the best insurance carriers to offer you a wide array of personal insurance solutions that are designed to meet your unique needs.

As a business owner, you have enough on your mind without having to worry about your insurance needs.
You want to have the confidence that the business you've built is covered by a company that understands your business insurance needs.
Commercial business insurance provides wide-ranging protection for businesses and their subsidiaries under a single policy.
There are various types of commercial business insurance that takes care of property, liability and workers' compensation, to name a few.
While property insurance covers damages to business property and products stored within the premises; liability insurance provides coverage for damages to third parties; and workers' compensation insurance covers injuries to employees.