Medicare Plans

Medicare

Modha Financial Group is an independent, trusted agency that specializes in Medicare insurance. Our team helps you navigate Medicare with ease. They provide expert advice on finding the best cover for your needs. We offer a variety of plans, including Medicare Advantage, Medicare Accessory, and prescription drug plans. Whether you are looking for a comprehensive or cost-effective option. We’ll tailor a solution to fit your budget. Let’s make Medicare easier for you and make sure you’re safe.

Medicare

Medicare Plans

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Customized Medicare Plans for Every Need

Examine Personalized Medicare Plans to Meet Your Specific Health Needs and Budget Allowances.
We will be at your side every step of the process to help you secure maximum coverage.

Medicare Advantage (Part C)

A Medicare Advantage (MA) plan is a private health insurance plan approved by Medicare. You may opt
to get your Part A, B, and D benefits from a Medicare Advantage plan instead of traditional Medicare. Medicare Advantage plans provide all the benefits
of Original Medicare (Parts A and B) and may also include additional benefits like prescription drug coverage, dental, vision, and hearing coverage.

Medicare Supplement

Medicare Supplement, also known as Medigap, is
a type of insurance policy that works alongside
Original Medicare to cover the “gaps” in coverage, such as copayments, coinsurance, and deductibles. Medicare Supplement policies are standardized, meaning they offer the same benefits regardless
of the insurance carrier.

Prescription Drugs

Prescription Drug Plans, also known as Part D, provide coverage for prescription drugs. These plans are offered by private insurance companies and work alongside Original Medicare (Parts A and B) and some Medicare Advantage plans.

Customized Medicare Plans for Every Need

Examine Personalized Medicare Plans to Meet Your Specific Health Needs and Budget Allowances. We will be at your side every step of the process to help you secure maximum coverage.

Medicare Advantage (Part C)

A Medicare Advantage (MA) plan is a private health insurance plan approved by Medicare. You may opt to get your Part A, B, and D benefits from a Medicare Advantage plan instead of traditional Medicare. Medicare Advantage plans provide all the benefits of Original Medicare (Parts A and B) and may also include additional benefits like prescription drug coverage, dental, vision, and hearing coverage.

Medicare Supplement

Medicare Supplement, also known as Medigap, is a type of insurance policy that works alongside Original Medicare to cover the “gaps” in coverage, such as copayments, coinsurance, and deductibles. Medicare Supplement policies are standardized, meaning they offer the same benefits regardless of the insurance carrier.

Prescription Drugs

What Does a Medicare Advantage Plan Cover?

With Original Medicare, you will have deductibles and a 20% coinsurance on Part B. You can visit any doctor or hospital that participates in Medicare, and most do.  

With an Advantage Plan, you will use the plan’s network of providers, which is usually local. You will pay co-payments when you receive healthcare services. Each plan sets its own cost-sharing. For example, you might pay a small copay for a primary care doctor visit and perhaps a higher copay to see a specialist. Likewise, some plans will charge you a daily hospital copay, and other plans might charge a flat amount for the whole stay.

What Does a Medicare
Advantage Plan Cover?

With Original Medicare, you will have deductibles and a 20% coinsurance on Part B. You can visit any doctor or hospital that participates in Medicare, and most do.  

Who Qualifies for Medicare Advantage Plan?

You are eligible for a Medicare Advantage Plan if you have Original Medicare (Part A and Part B). Even those on Medicare under 65 due to disability may enroll. You may sign up for a Medicare Advantage policy if you live in your chosen plan’s service area.

When you enroll in a Medicare Advantage Plan, you will pay your chosen plan’s monthly premium in addition to your Medicare Part B premium. Low-income or Medicaid-eligible beneficiaries may qualify for extra help paying for premiums, deductibles, and copayments. Extra Help qualification is based on your annual income and can change anytime..

Who Qualifies for
Medicare Advantage Plan?

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Contact us for personalized insurance advice! As independent consultants working in 29 states, we help individuals and businesses navigate the complex insurance landscape to find the best coverage for their unique needs.

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Modha Financial Group boasts an impressive array of approvals from numerous trusted insurance carriers. These endorsements reflect our unwavering dedication to providing exceptional health insurance and financial planning. By choosing Modha Financial Group, you are selecting a partner with a track record of excellence and the trust of industries top insurance carriers, ensuring the highest-quality solutions for your health and financial security.