Helping folks with noveau insurance technology.

Original Medicare (Parts A and B) is a government-run program that covers hospital and medical services with predictable core benefits. You typically pay Part B premiums, deductibles, and coinsurance, and many people add a Medigap plan to limit out-of-pocket costs plus a separate Part D plan for drugs. It offers broad, nationwide provider access (as long as providers accept Medicare) with no network restrictions, giving you flexibility to see any doctor or hospital that accepts Medicare. Drug coverage isn’t built in—you enroll in a separate Part D plan.

Medicare Advantage (Part C) is a private-plan alternative that bundles Part A and Part B, and most MA plans include or offer Part D drug coverage. These plans use networks (HMO/PPO) and may require referrals, but they often add extra benefits like dental, vision, hearing, wellness perks, and a yearly out-of-pocket maximum. Premiums vary, with some $0 plans available, but you’ll still pay Part B premiums. Travel or residency changes may affect coverage differently depending on the plan, and out-of-network benefits (if offered) can be limited.

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#MedicareChoices #OriginalMedicare #MedicareAdvantagePlans
#MedicareCosts #OutOfPocket
#DentalVisionHearing #WellnessPerks

Group Health Plan Advantages

Advantages of Group Health Plans Everything you need to know Choosing a group health plan for your business offers a range of valuable benefits for both employers and employees. Here’s why group health plans are a smart choice.

1. Cost Savings for Everyone Group health plans use risk pooling, which means premiums are often lower than individual plans. Employers usually contribute to the premium making healthcare more affordable for employees.

2. Comprehensive Coverage Group plans typically offer broad coverage including preventative care, prescription drugs, and coverage for pre-existing conditions. This means employees get access to the care they need.

3. Simplified Enrollment Enrolling in a group plan is straightforward, with defined periods and support from HR. This makes the process easier for everyone involved.

4. Attract and Retain Top Talent Offering group health insurance is a major perk that helps attract skilled candidates and keeps your current team happy.

5. Tax Benefits and Reduced Turnover Employers can benefit from tax deductions on contributions and enjoy lower employee turnover thanks to improved morale and productivity.

Consider a group health plan to support your team and your business.

If you'd like a quote:

Call Matt Boland 877-480-4325

 

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ICHRA Explained in Under a Minute

What is an ICHRA? An ICHRA is an Individual Coverage Health Reimbursement Arrangement. It lets organizations reimburse employees tax-free for individual health insurance premiums and qualified medical expenses. Employers set a monthly allowance. Employees buy their own health insurance and submit expenses for reimbursement. The employer pays back approved expenses up to the allowance amount. Flexibility 1 Employees pick the plan that fits their needs. Tax Advantages 2 Reimbursements are tax-free for both employers and employees. Customization 3 Employers can offer different allowances to different employee groups. Want to learn more: Matt Boland 877-480-4325 www.mminsuranceagency.com #ICHRA#HealthBenefits#Healthcare#HealthInsurance#EmployeeBenefits