Precision Senior Marketing is a Medicare supplement FMO offering top-level, direct contracts with the nation's leading Medicare supplement carriers. At PSM, our portfolio is quality-focused to ensure our agents are only offering the best products to their clients. Additionally, we pride ourselves on offering the best customer service in the industry, so when you contract with PSM you can be assured you not only have a direct contract through a leading Medicare supplement FMO, but a partner dedicated to your growth.
Cigna Medicare Supplement Solutions
Cigna Medicare Supplement Solutions℠ is insured by American Retirement Life Insurance Company. As a member of a global health service company with over 220 years in the insurance business, Cigna is dedicated to helping consumers improve their health, well-being, and sense of security.
Combined Insurance Medicare Supplement
Combined Medicare Supplement serves a global market and has a rich insurance history with a legacy that drives their company. They offer exceptional service with products tailored to protect your clients from inflating health care costs.
Equitable Life Medicare Supplement
For over 75 years, Equitable Life has provided top-notch Life and Health insurance plans, backed by superior, friendly personalized service, to consumers and agents across this country.
Everence Medicare Supplement
Everence was founded in 1945 by the Mennonite Church growing out of a long tradition of church communities putting faith into action by sharing resources with each other.
Gerber Life Medicare Supplement
An affiliate of the Gerber Products Company since 1967, Gerber Life offers life, accident and Medicare supplement insurance.
Heartland National Medicare Supplement
Heartland National is one of the leading Senior Health/Life Insurance distributors in the United States. They specialize in helping seniors on fixed incomes, with economical plan options.
Humana Medicare Supplement
Humana is a Fortune 100 company with 50 years of experience in the health industry. They are committed to offering valuable benefits, outstanding wellness programs, and reliable customer service.
Mutual of Omaha Medicare Supplement
Founded in 1909, Mutual of Omaha Insurance Company is a full-service, multi-line provider of insurance and financial services products for individuals, businesses and groups throughout the U.S.
Omaha Insurance Company Medicare Supplement
Omaha Insurance Company is the latest addition to the Mutual of Omaha family of companies. Their Medicare Supplement products offer competitive rates, excellent name recognition, as well as the ability to submit business online via their E-App.
Oxford Life Medicare Supplement
Specializing in senior-oriented insurance products, the Oxford Life Company offers a Medicare Supplement to promote financial security for your clients during their retirement years.
Sentinel Life Medicare Supplement
Sentinel Life Medicare Supplement offers very attractive pricing for cost-sensitive seniors. This Med Supp addresses the needs of seniors who want the stability of a Medicare supplement but at a lower cost than most other products on the market.
Standard Life and Casualty Medicare Supplement
Standard Life and Casualty Insurance Company was founded in Rock Hill, South Carolina and is licensed in 13 states.
They are proud to have protected American families since 1947, and look forward to earning your business.
Stonebridge Life Medicare Supplement
Stonebridge Life Medicare Supplement has an A+ rating from A.M. Best and is backed by the strength of an industry leader. They offer a quality product with a quick response time and courteous and dependable service.
UnitedHealthcare Medicare Solutions
UnitedHealthcare Medicare Solutions is part of UnitedHealth Group, a Fortune 25 company. As a leader in Medicare-focused health care for over 20 years, UnitedHealthcare Medicare Solutions serves one out of every five people eligible for Medicare.
United of Omaha Medicare Supplement
A Mutual of Omaha subsidiary since 1926, United of Omaha Life Insurance Company offers a diversified portfolio of life insurance, fixed annuities and Medicare supplement plans.
United World Medicare Supplement
A Mutual of Omaha subsidiary since 1983, United World Life Insurance Company offers specialty life insurance and Medicare supplement plans.
Western Catholic Union Medicare Supplement
Financial security… a focus on family… a commitment to members and their communities. For over 130 years, Western Catholic Union has been guided by these principles which were established by their founders in 1877.
A Medicare Supplement (Medigap) policy is health insurance sold by private insurance companies to fill the "gaps" in Original Medicare Plan coverage. Medigap policies help pay some of the health care costs that the Original Medicare Plan doesn't cover. If you are in the Original Medicare Plan and have a Medigap policy, then Medicare and your Medigap policy will pay both their shares of covered health care costs.
It's important to compare Medigap policies because costs can vary. The benefits in any Medigap Plan A through L are the same for any insurance company. Each insurance company decides which Medigap policies it wants to sell.
Generally, when you buy a Medigap policy you must have Medicare Part A and Part B. You will have to pay the monthly Medicare Part B premium. In addition, you will have to pay a premium to the Medigap insurance company. You and your spouse must each buy separate Medigap policies. Your Medigap policy won't cover any health care costs for your spouse.
Medicare is a health insurance program for:
- people age 65 or older,
- people under age 65 with certain disabilities, and
- people of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant).
Part A: Hospital Insurance - helps cover the Medicare holder's costs of inpatient care while in the hospital. Coverage includes critical access hospitals and skilled nursing facilities. It also helps cover hospice care and some home health care expenses. Part A does not include custodial or long-term care. Beneficiaries must meet certain conditions to receive these benefits.
Cost: For those eligible, a monthly payment, called a premium, is rarely paid for Part A because they or a spouse have already paid Medicare taxes while working. If a beneficiary does not have premium-free Part A Hospital Insurance, they may have the option to buy Part A if they or their spouse are not entitled to Social Security, for reasons such as, they did not pay enough Medicare taxes while working, are age 65 or older, or are disabled but no longer receive free Part A because they have returned to work.
Part B: Medical Insurance - covers doctors' costs as well as outpatient care expenses. Part B also insures medical services that Part A does not cover, such as some services performed by physical and occupational therapists, as well as some home health care. Part B helps finance these covered services and supplies when they are medically necessary.
Cost: A monthly payment of the Medicare Part B premium. In some cases, this amount may be higher if the beneficiary did not enroll for Part B when they first became eligible.
Caution: The cost of Part B for unsigned eligible beneficiaries will go up 10% for each 12-month period after they first become eligible for Part B. Once they are enrolled, they will have to pay this penalty for as long as they have Part B.
Beneficiaries also pay a Part B deductible each year before Medicare starts to pay its share. The beneficiary may receive aid from their state to pay this premium and deductible.
Medicare deductible and premium rates may change at the beginning of each year.
Prescription Drug Coverage - Most people will pay a monthly premium for this insurance coverage. Since January 1, 2006, private companies have made Medicare Prescription Drug Coverage available to every Medicare beneficiary. Coverage may help lower prescription drug costs and help protect against higher costs in the future. Beneficiaries may choose their desired drug plan accordingly. If a beneficiary does not enroll in a drug plan when they are first eligible, they may pay a penalty if they choose to join later.