HRBC feels confident with its many years of experience with Medicare insurance senior products. If you are looking to supplement your Medicare coverage, we have trained agents who can help you make the right choice.
One of the solutions available to seniors is Medicare Supplement Insurance, also known as Medi-gap, providing coverage for some of the medical services that are not covered with original Medicare (Parts A and B). The Medi-gap Plan is not designed to replace any Parts of Medicare (like the Medicare Advantage Plan). Instead it supplements medical coverage for things such as co-payments or coinsurance, deductibles and more. Medi-gap or Medicare Supplemental Insurance plans are standardized by the same agency that oversees Medicare, but these plans are sold and administered by private companies.
At HRBC, we represent various dental carriers offering indemnity, Preferred Provider Organizations or a Dental Health Maintenance Organization (DHMO). Costs and networks will vary as well as the co-payments and/or coinsurance requirements.
Given the strong correlation between oral and systemic health, employers who offer dental benefits could possibly experience lower health care costs overall. It has been proven that regular dental check-ups can lead to early detection of more serious health conditions, such as cancer or tuberculosis. Individuals who may have sustained a stroke or may have diabetes or coronary artery disease and receive regular periodontal treatments, have lower medical costs.
Vision insurance, sometimes called eye care insurance, can work differently depending on the type of policy you purchase. You may have to pay the doctor yourself and submit a claim for the vision insurance company to reimburse you later. Other plans pay the eye care provider directly. Vision insurance is not a substitute for health insurance; in fact, most often a medical problem discovered by your eye doctor (such as a cyst or tumor in your eye) would fall under your health insurance, not your vision insurance. Most importantly you should understand how to care for your vision.
Vision insurance is generally purchased in conjunction with a health insurance plan and covers care and treatment for your eyes. These plans often cover annual eye exams, glasses, contacts, and glaucoma screening. Laser eye surgery is even covered with some vision plans, but that will depend on your specific plan and carrier. In other cases, vision insurance can be extremely restricted. Some policies just pay for the annual exam or treatment of eye conditions, not glasses or contacts.