PSM Product Portfolio
We are proud to offer our agents a competitive product portfolio along with complimentary technology to help improve efficiency and drive more sales. You can download a print version of our product portfolio by going here.
Medicare Advantage Plans
Medicare Advantage Plans offer individuals a wide range of healthcare options within the Medicare program. By paying their Part B premium, beneficiaries can become eligible for these plans and enjoy additional benefits that are not covered by Original Medicare.
Medicare Supplement Plans
Medicare Supplement Plans are specialized health insurance policies offered by private companies to enhance healthcare coverage for seniors. These plans bridge the gaps left by the Original Medicare Plan, covering expenses like co-pays, deductibles, and other medical services such as doctor visits and hospitalization. Seniors who opt for these plans pay a monthly premium but enjoy the benefit of minimal out-of-pocket expenses.
Medicare Part D Plans
Medicare Part D plans, also known as Prescription Drug Plans (PDPs), are a key component of Medicare, the U.S. government's health insurance program for individuals aged 65 and older, as well as certain younger individuals with disabilities. Part D plans specifically focus on providing coverage for prescription medications. These plans are offered by private insurance companies approved by Medicare and are designed to help beneficiaries afford the costs of their prescription drugs.
Hospital Indemnity Plans
Hospital indemnity insurance is a type of insurance coverage designed to provide financial protection in the event of a hospitalization. This insurance can help individuals manage the costs associated with hospital stays and related medical expenses that might not be fully covered by their primary health insurance plan. Hospital indemnity insurance policies typically pay a fixed daily, weekly, or lump-sum benefit directly to the policyholder when they are admitted to the hospital.
Dental Insurance Plans
Dental insurance is a type of insurance coverage specifically designed to help individuals manage the costs associated with dental care and oral health services. Dental insurance plans work by providing policyholders with financial assistance for a range of dental treatments and procedures, helping to offset expenses such as regular check-ups, cleanings, X-rays, fillings, crowns, and more complex dental work.
Final Expense Whole Life Plans
Final expense insurance, also referred to as "burial" or "funeral" insurance, is a specialized policy designed to cover funeral costs and other end-of-life expenses. This type of insurance can be obtained by individuals who are 50 years old or older, with a face value that ranges from $2,000 to $50,000. As policyholders, you have the flexibility to select any beneficiary, typically a family member, who will receive the funds upon your passing. It is the responsibility of the beneficiary to utilize the money to fulfill your final wishes.
Long-Term Care Plans
Long-Term Care Insurance provides additional coverage for both medical and non-medical services. Unlike Medicare, LTCi helps pay for costs associated with daily living activities usually provided in a patient's home, nursing home, or assisted living facility.
Annuities provide the security of a "lifetime income" for your clients. After they have paid into the annuity for a period of time they will begin to receive regular payments that will be a steady stream of income to supplement their Social Security. Also, annuities have great tax benefits. Benefits are tax deferred until your client starts to withdraw.
Major Medical Plans
A major medical health insurance plan is a type of plan that meets all of the minimum essential benefit standards of the Affordable Care Act (ACA or “Obamacare”). It also provides benefits for a broad range of inpatient and outpatient health-care services.
Short Term Medical Plans
In the United States, short-term health insurance (STHI) or short-term, limited-duration insurance (STLDI) refers to health insurance plans with a limited duration, typically several months to a year. Short-term, limited-duration health care plans are not available for purchase on HealthCare.gov or health insurance marketplaces in most states. They are not eligible for federal financial aid but the monthly healthcare premiums may be less expensive.
Medicare Advantage / PDP Certification
Medicare Advantage (MA) certification refers to the process that insurance agents and brokers must go through to become certified to sell Medicare Advantage plans. The certification process for selling Medicare Advantage plans involves several steps to ensure that agents are knowledgeable about the plans they are offering and that they adhere to regulations set forth by the Centers for Medicare & Medicaid Services (CMS).
ACA Marketplace Certification
ACA Marketplace certification refers to the process that individuals and organizations, such as insurance agents and brokers, must complete in order to assist consumers in enrolling in health insurance plans through the Health Insurance Marketplace established by the Affordable Care Act (ACA), also known as Obamacare.