Health Plans

Health Reimbursement Arrangement (HRA)Healthcare and health plans have risen in the public consciousness as a result of the Affordable Care Act (ACA), also known, and often referred to, as Obamacare. In California, the state health exchange providing these plans under the ACA is called CoveredCA. Many working Americans have some form of group healthcare made available through their employer. Those not so fortunate now have access to the plans offered by CoveredCA, available through our affiliated agency www.germaniinsurance.net.

UnitedHealthcare Medicare Solutions is a portfolio of Medicare products and part of UnitedHealth Group which delivers innovative products and services to over 70 million Americans. As a leader in Medicare-focused health care for over 20 years, the Medicare Solutions from UnitedHealthcare serve one out of every five people eligible for Medicare through a variety of products including Medicare Advantage, Medicare Supplement, and Medicare Part D prescription drug plans.

Medicare Advantage plans offer all the benefits covered under Original Medicare and more. Many plans also include Medicare Part D prescription drug coverage. Depending on residency, there may be several Medicare Advantage plans to choose from including HMO, POS, PPO and PFFS plans.

Medicare Supplement plans account for one of the nation’s largest Medicare Supplement business. These plans typically provide more freedom to choose doctors and hospitals, and see specialists without referrals. Medicare Supplement plans also offer National coverage.

Medicare Part D plans account for one of the nation’s largest Part D business and are available in all 50 states and territories. These plans provide a way to add drug coverage to original Medicare or Medicare Supplement coverage.

Medicare Advantage Special Needs Plans provide health care coverage for people with a chronic disease or illness; who live in an institution; or who qualify for both Medicare and Medicaid (also referred to as “dual eligible”).

March 8th, 2016 by Walstine Financial Agency