2016 Open Enrollment has Ended. See if you qualify for a Special Election Period today!Read more
A type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans.Read more
A Medicare Supplement Insurance (Medigap) policy, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.Read more
Term Insurance is the simplest form of life insurance. It pays only if death occurs during the term of the policy, which is usually from one to 30 years.
Whole life or permanent insurance pays a death benefit whenever you die—even if you live to 100!
There are several different types of individual, family insurance plans grouped into three primary categories:
(1) Indemnity (generally called: dental insurance);
(2) Preferred Provide Network dental plans (PPO);
(3) Dental Health Managed Organizations (DHMO)
We are INS Marketing Systems located in the DFW area of Texas and represent many of the top issuers. Our company began as a family owned and operated agency over 40 years ago. We now serve agents and consumers across the state of Texas. Thanks for allowing us an opportunity to assist you and your family through the entire process.
Calvin Sulak, President of INS Marketing Systems INC
You can sign up for Medicare beginning three months before you turn 65, and coverage can start as soon as the first day of your birthday month. The initial enrollment period lasts until three months after your 65th birthday.
Part A. Also called hospital insurance, Medicare Part A covers the cost if you are admitted to a hospital, skilled nursing facility, or hospice. It also covers some home health services. Most people are enrolled automatically in Part A when they reach age 65
Medigap is extra health insurance that you buy from a private company to pay health care costs not covered by Original Medicare, such as co-payments, deductibles, and health care if you travel outside the U.S. Medigap policies don't cover long-term care, such as stays in a nursing facility, or dental care, vision care,
If you have Original Medicare, the government pays for Medicare benefits when you get them. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare. Medicare pays these companies to cover your Medicare benefits.
Medicare Part D, also called the Medicare prescription drug benefit, is a United States federal-government program to subsidize the costs of prescription drugs and prescription drug insurance premiums for Medicare beneficiaries.
Medicare SNPs are a type of Medicare Advantage Plan (like an HMO or PPO). Medicare SNPs limit membership to people with specific diseases or characteristics, and tailor their benefits, provider choices, and drug formularies to best meet the specific needs of the groups they serve. Find out who can join a Medicare SNP.
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