Healthcare American provides personalized insurance guidance for Medicare, life insurance, annuities, dental, vision, and supplemental coverage needs.
Our licensed agents help you compare options clearly so you can make informed decisions with confidence.
About Us
Medicare is a nationwide health insurance program administered by the Federal Government in the United States. It helps provide coverage for people age 65 and older, certain younger individuals with disabilities, and people with end-stage renal disease or ALS.
Medicare is divided into four parts: A, B, C, and D. Parts A and B are known together as Original Medicare.
Part A helps cover inpatient hospital stays, skilled nursing care after a qualifying hospital stay, and hospice care when these services are determined to be medically necessary.
Part B helps cover many outpatient services, including doctor visits, outpatient hospital charges, and certain medications administered by a physician.
Medicare Advantage is offered through private insurance carriers and provides an alternative way to receive Medicare benefits. These plans often include additional benefits such as vision, dental, hearing, and prescription drug coverage.
Part D helps cover many self-administered prescription medications that are usually picked up at a pharmacy. Plans are offered by private insurance companies and use drug tiers to determine costs.
Some people are automatically enrolled in Medicare, while others may need to sign up manually.
If you need to manually enroll in Medicare Parts A or B, you can apply online through Social Security, by phone, or in person at a local Social Security office. If you worked for a railroad, you can contact the Railroad Retirement Board for enrollment assistance.
You may face a late-enrollment penalty if you do not enroll in Medicare Part A or Part B when you are first eligible. Your Initial Enrollment Period begins three months before the month you turn 65, includes your birthday month, and continues for three months after.
If you are still working and covered through an employer group health plan, you may not need to enroll in every part of Medicare right away. Some people enroll in Part A first and delay Part B until retirement, but rules can vary. It is best to confirm with your employer, Medicare, or a licensed insurance agent.
Once you are enrolled in Medicare Parts A and B, you may have access to additional coverage options such as Medicare Advantage plans, Medicare Supplement Insurance plans, or Medicare Part D prescription drug coverage.
Some Medicare Advantage and Medicare Supplement plans may offer services beyond Original Medicare. These may include benefits such as wellness programs, routine vision care, dental benefits, hearing benefits, or prescription drug coverage depending on the plan.
The Medicare plan that works best for you often depends on your medical needs, prescriptions, budget, and other personal factors.
Contact us today to learn more about Medicare plans. We want our customers to have the knowledge and resources they need to make informed decisions.
Yes! Our consultations are completely free of charge with no obligation.
We offer Medicare, Life Insurance, Dental Insurance, Travel Insurance, Annuities, and other supplemental insurance solutions.
You can schedule a free consultation by completing our online contact form. A representative will contact you to confirm your appointment.
Consultations will be conducted by phone. Our team will coordinate it with you.
Yes. We are an independent, licensed insurance brokerage representing multiple insurance carriers, allowing us to compare plans that fit your needs.
Our licensed insurance advisors take the time to understand your needs, budget, and coverage preferences before recommending suitable options.
Depending on the type of insurance and your eligibility, you may be able to change your coverage. Our advisors can review your current plan and explain your available options.
No. Your consultation is completely free and there is no obligation to enroll in a plan.
Your Initial Enrollment Period usually starts three months before you turn 65, includes your birthday month, and ends three months after. Some people are enrolled automatically, while others may need to sign up manually through Social Security.
Original Medicare includes Parts A and B. Medicare Advantage, also called Part C, is offered through private insurance carriers and may include extra benefits such as prescription drug coverage, dental, vision, hearing, and wellness programs.
Medicare Supplement, or Medigap, works alongside Original Medicare Parts A and B. It can help pay out-of-pocket costs such as copayments, coinsurance, and deductibles. These plans generally do not include dental, vision, hearing, or prescription drug coverage.
Part D is optional, but it can be valuable if you take medications. Original Medicare does not cover most self-administered prescription drugs, and waiting too long to enroll may lead to a late-enrollment penalty unless you have creditable coverage.
No. Healthcare American offers free, no-obligation consultations, advice, and quotes. Their licensed insurance agents help compare options based on your needs and budget.
Yes. Healthcare American works as a life insurance broker and helps customers compare coverage options for their individual situation, including policies designed to protect loved ones and help with final expenses.
Annuities can be structured to support retirement income, tax-deferred growth, principal protection, and long-term financial planning. Healthcare American helps customers understand how annuity products may fit their retirement goals.
Yes. Healthcare American offers guidance on supplemental coverage such as dental and vision insurance. Dental plans may include preventive care, basic procedures, major services, benefit limits, and waiting periods depending on the carrier and plan.
Speak with a licensed insurance agent about Medicare, life insurance, annuities, dental, vision, and supplemental coverage options.
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