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Get the Medicare Advantage & Supplement plan you deserve
MEDICARE PLAN
While Medicare A & B covers a portion of medical costs for those 65 and over and/or those under 65 and disabled, you will be left paying deductibles under A & B and unlimited cost sharing under Part B.
Creamer Insurance Agency, Inc offers Medicare Supplements (Medigap) to fill in the gaps left by Medicare as well as Medicare Advantage Plans and Part D prescription plans.
Contact us to better understand your options and Request a Quote.
While Medicare A & B covers a portion of medical costs for those 65 and over and/or those under 65 and disabled, you will be left paying deductibles under A & B and unlimited cost sharing under Part B. Creamer Insurance Agency offers Medicare Supplements (Medigap) to fill in the gaps left by Medicare as well as Medicare Advantage Plans and Part D prescription plans. Contact us to better understand your options and Request a Quote.
(MEDIGAP)
Acts as a secondary coverage to Medicare by filling in the “gaps” such as deductibles on Parts A & B as well as the 20% coinsurance, depending on which plan you choose. These plans are not subject to annual open enrollments and can be purchased year round, however they may require underwriting if not purchased during certain time periods. Contact us to better understand your options and Request a Quote.
Medicare Advantage (D) is a type of health insurance plan that provides coverage within Part C of Medicare. In a nutshell, private insurance companies administer your Medicare benefits and may include additional coverage such as prescription drugs that typically are not included with original Medicare A & B. Contact us to better understand your options and Request a Quote.
Are you an employer seeking to provide health, vision, dental, Group Life Insurance and/or Group Short Term and Long Term Disability coverages? Maybe you’re an established business with health care coverage for your employees, but want more inclusive or a less expensive plan.
If you are looking for health care plans on the new government Health Insurance Exchange Marketplace, we can help you navigate the system. We’ll make sure you get a rate you can afford with all the coverage options you need. There are many requirements to meet and potential discounts you can receive depending on your age and income.
Creamer Health Insurance, inc also finds individual plans with customized options for any age, employment status, or set of needs. Open access plans give you the freedom to choose your own doctors with no referral needed for specialists and no primary care physician required.
Co-pay only plans allow you to only pay the co-pay for specialist visits after the deductible is met, while PCP visits are covered before the deductible.
Generic brand drugs are also covered before the deductible.
High deductible plans cover preventative care at 100% before the deductible, with health savings account compatible options available. PCP plans are covered after the co-pay prior to meeting the deductible.
All of the options above are also available for families, with options that cater to men, women, and children. Creamer Insurance Agency, Inc will customize plans for married couples and those with any number of children. For infants, toddlers, young children, and teens, we have options to suit the needs and typical medical costs that arise throughout their development. From school required physicals and vaccinations to colds and broken arms, we’ll make sure your children receive the best medical care possible.
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LIFE INSURANCE