Your Medicare Options
In order for your Medicare benefits to be most effective, it must accurately reflect the needs of you and your family. It’s important to have a guide—someone who both understands all of the ins-and-outs of Medicare entitlements and is willing to treat you like a part of our family to ensure you receive the most appropriate benefits. You don’t want just another insurance company, you want an organization with lifelong relationships in mind, someone who can offer you Medicare options without gimmicks or fine print.
We provide free, unbiased advice so you can choose the coverage that best fits your life and budget
Medicare Supplement
Also known as “Medigap,” these supplements help cover gaps in coverage when Original Medicare Part A and Part B (e.g., deductibles and coinsurance) do not provide 100% coverage. Instead of paying out of pocket, Medigap insurance provides stability without worry for when you need medical services covered by the insurance company.
Medicare Advantage (Part C)
These plans, offered by private insurance companies, cover Medicare Parts A and B and also may include Part D drug benefits. These plans usually provide a network of doctors and hospitals (e.g., HMO and PPO) for you to choose from. You will usually have to pay deductibles, coinsurance, and copays for services. These plans may also offer extra services, like dental, vision, gym memberships, over-the-counter credits, and more.
Medicare (Part D)
These prescription drug plans, offered by private insurance companies, cover the prescription drugs from your local pharmacy and may be subject to deductibles, coinsurance, and copays. Medicare Part D proves useful to anyone who has ongoing prescriptions and is growing tired of the rising costs of medication.
Dental for Seniors
Original Medicare does NOT cover dental exams, cleanings, and other dental services. We offer an affordable dental, hearing, and vision plan with NO NETWORKS, allowing you to choose your own doctor. Your oral health can have a direct effect on the health of your heart and the rest of your body. A healthy smile, covered by your Medicare insurance, can go a long way towards your overall health.
Ancillary Products
Round out your Medicare plan(s) with:
• Vision plans
• Hearing plans
• Hospital indemnity plans
• Cancer and critical illness plans
Not Yet Medicare Eligible, But Need Coverage?
At Four Oaks, we go beyond Medicare by offering ACA Marketplace plans and comprehensive PPO plans to ensure you have the coverage that fits your lifestyle. Whether you're looking for affordable health insurance through the Marketplace or a flexible PPO plan with broad provider access, we provide expert guidance to help you find the best option.