Medicare Insurance Specialist

Health Guard Solutions LLC is a health insurance provider that offers a variety of plans from Under 65 to Medicare to meet your health insurance needs.  We always look for ways to reach out to the community emphasizing on our knowledgeable and experienced 65+ community. We look forward to serving you. Hablamos su idioma.

Health Guard Solutions LLC offers Medicare insurance plans, including Medicare Supplemental Insurance. Health Insurance plans for the whole family. We also offer Whole Life, Term Life, Universal Life, and Final Expense insurance options.  Our mission is to protect you and your loved ones with minimal out of pocket expense giving you peace of mind.  

Medicare is a federal program that provides health insurance to eligible individuals.  

Original Medicare (Parts A & B) provide hospital and doctor visits and outpatient care. Original Medicare covers 80% of medical costs. You are responsible for the remaining 20% that Original Medicare does not cover. There is no cap of how much you would pay out of pocket for procedures or other medical costs. Medicare Advantage plans (Part C) are plans that are contracted with carriers and there is a limit on how much you would pay for services per year. Many of these plans come with a built-in prescription drug coverage. Some Medicare Advantage plans may offer additional benefits like vision and dental coverage. 

I always encourage for everyone to review their Medicare Coverage benefits every AEP (Annual Enrollment Period.) I can help you navigate what providers or hospitals are in network with your plan or educate on what would be the best fit to help your needs. Some plans are not offered the following year and doctors may not contract with your carrier. It is wise to always review those benefits and not receive a surprise when you see your doctors.