Medicare supplement insurance in Pennsylvania and Kentucky.

Healthcare expenses can be overwhelming and even with your Medicare plan, there are still out-of-pocket costs to consider. We’ll help you make sense of the various supplemental plans that help bridge the gap in coverage and find a solution that works for you.

Medicare insurance is a government-sponsored health insurance program available to most people aged 65 or older and who have paid into Social Security. It’s divided into several sections with differing costs and choices.

Part A covers hospital treatment costs. In most cases there’s no premium payment, but recipients pay a deductible and also pay some coinsurance depending upon their medical treatments throughout the year.

Part B covers medical treatments outside of hospitals. Part B has an annual premium that is dependent on the recipient’s income and Social Security benefits. Recipients also pay a deductible and coinsurance.

Medicare recipients can also opt to take out a Medicare Advantage plan—sometimes called Part C. This means that the recipients will still pay for the Part B premium, but will get more choice over the balance of costs (premium, deductible and coinsurance) and coverage. They may also get coverage for services such as vision, hearing and dental that aren’t covered by ordinary Medicare.

Let’s discuss your medicare supplement insurance options.

One of our benefits advisors will reach out to you to review your information and present you with the appropriate options for medicare supplement insurance. There’s no obligation, just good-old-fashioned advice.
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Hoak Insurance Services offers comprehensive medicare supplement insurance options in Louisville, Prospect, Crestwood, LaGrange, and Jefferson County, KY, along with Brookville, New Bethlehem, Reynoldsville, Punxsutawney, Dubois, Brockway, Clarion and the Greater Pittsburgh Area in PA.