Health Insurance, Small Businesses and Medicare

Pennie Marketplace

The next time an individual can sign up for health care is November 1st for January 1st start date.  There are special circumstances in which you can sign up throughout the year. Call us for the particulars and perhaps we can help you sign up now.

Short Term Medical Insurance

Should you need coverage now and do not qualify to sign up immediately under the Pennie marketplace, you can sign up for short term medical insurance at any start date. This can be a big help for individuals and their families. This insurance can be purchased for up to 364 days, with the option to renew for a total duration up to 36 months. It does not abide by the Affordable Care Act requirements, but it does provide basic coverage.

We also have dental and visions plans available both with short term medical insurance and independently.

Dabolt Insurance Agency can help with the solutions for medical benefits for your employees, including self insuring.

We can also provide voluntary benefits such as dental, vision, life insurance, and disability insurance.

Medicare is always changing, and people who currently have Medicare are faced with a wide variety of options. Each person’s needs are different and therefore, there is no single option valid for all. We have access to companies that provide either Medicare Advantage or Medicare Supplements. 

Medicare Basics

Medicare Parts A and B cover approximately 80% of your medical bills and expenses. Medicare Supplemental Insurance is a policy provided by private insurance companies that fill gaps in coverage. Medicare Advantage plans must cover the benefits of Medicare Parts A and B, and usually part D, but can offer other services. They do have co-pays and co-insurance.  Medicare is available to people under 65 with disabilities as well as 65 and over.

Medicare Supplemental Insurance are a policies provided by private insurance companies that fill the gaps in coverage that your basic Medicare Part A (hospital) and Medicare Part B (medical) do not cover. Parts A and B, while covering close to 80% of your medical bills and expenses certainly do not cover them all. There are gaps in the coverage and that is why sometimes a Medicare Supplement Insurance plan will be called a Medigap policy, because it is designed to cover the gaps that Medicare parts A and B leave behind. The gaps that a Medicare Supplement insurance policy will usually cover include deductibles and co-pays. All of these expenses can add up to quite the financial headache if not covered properly. We also provide separate Medicare Part D plans to offer prescription drug coverage, which is necessary when you have a Medicare Supplement plan.

A Medicare Advantage Plan (like an HMO or PPO) is another Medicare health plan choice you may have as part of Medicare. Medicare Advantage Plans are called “Part C” and referred to as ‘MA” plans. These are offered by private insurance companies approved by Medicare. If you join a Medicare Advantage Plan, the plan will provide all of your Part A (hospital) and Part B (medical) coverage. Medicare Advantage Pans may offer extra coverage, such as vision, hearing, dental and/or health and wellness programs. Most include Medicare prescription drug coverage which is Part D. 

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.