Medicare Benefits

A Medicare Supplement policy is designed to cover some or all of the out of pocket costs of original Medicare.

There are many different carriers, types and levels of Medigap insurance, so it’s best to seek out professional advice to be sure you understand the options available to you or your loved one.

Many people are pleased to learn that Medigap insurance options include incredibly comprehensive policies that allow you to see doctors without so much as a co-pay!  Recommendations will vary based on the applicant’s individual needs and circumstances.

A Medicare Advantage policy, also known as Part C, is a Medicare-approved plan offered by a private insurance company that provides an alternative to original Medicare. These plans typically bundle Part A (hospital coverage), Part B (doctors and outpatient care) and, often, Part D (Prescription Drugs) into one comprehensive plan. Additionally, Medicare Advantage plans may offer additional benefits original Medicare does not cover, such as vision, dental or hearing.

We can help you choose a prescription drug plan that will best covers your medications. If your needs change over time, plans can be changed during annual enrollment.

Understanding the pros and cons of plans offered by different health insurance carriers can be confusing. It’s best to seek advice from a professional who can run a report based on your confidential medication list and generate a specific plan recommendation customized to your unique situation.

Medical research shows a connection between dental health and many serious health conditions, including diabetes, coronary heart disease to name just a few. Let us help you take care of your dental health. You can cover yourself or your spouse.

Long-term care insurance provides for the type of care you may need if you can no longer perform “activities of daily living” by yourself, such as eating, bathing or getting dressed. It also includes the kind of care you would need if you had a severe cognitive impairment like Alzheimer’s disease. Care can be received in a variety of settings, including your own home, assisted living facilities, adult day care centers or hospice facilities.

This care can be covered completely or in part by long-term care insurance. Most plans let you choose the amount of the coverage you want, as well as how and where you want to use your benefits. A comprehensive plan includes benefits for all levels of care, custodial to skilled.

With healthcare spending increasing, prudent financial planning for long-term care insurance is needed. R.M. Beasley & Associates offers plans from a variety of companies. Long-term care (LTC) insurance is available in both individual and group policies.

Why Do I Need Travel Insurance?

Traveling creates memories of a lifetime, and can also mean encountering the unexpected; ranging from an inconvenient flight delay to a cancellation for sickness, or a truly serious medical emergency.

In today’s travel environment it’s increasingly important to protect yourself and your travel investment.

For a true sense of security, a comprehensive policy from a reputable, independent travel insurance company is paramount. Medical insurance policies may not protect your travels abroad and often have out-of-network deductibles. Likewise, coverage through credit cards and travel suppliers can have shortfalls and not fully protect you in travel situations like the above.

Choosing the Right Coverage

GeoBlue offers a comprehensive range of international medical insurance and travel insurance products for every insurance need. Whether you need individual coverage or extended coverage for a long-term stay, we’ve got the right plan for you. GeoBlue's exceptional services provide you:

• 24/7/365 service for emergencies anywhere in the world
• Access to a global network of highly qualified providers
• Responsive medical management in the event of medical emergencies anywhere in the world
• International, multilingual customer service centers
• Access to useful, informative online tools that provide the information you need and save you time when you may need it most