Medicare Supplements, Prescription and Advantage Plans

Benefits Specialist, Inc

740 687-0055

P.O. BOX 961
By Appointment Only
121 W Sixth Ave
Lancaster, Ohio 43130

Specializing in Seniors (55+) planning and products.

Plans for Peace of Mind Benefits Specialist

Experience - Working with a certified professional.
Planning - Needed for Peace of Mind
Education - Getting informed and learn from those with experience.
Knowledge - Gaining the wisdom to make informed decisions.

Micheal J Wolshire, LUTCF Licensed Agent since 1979

Micheal J Wolshire, LUTCF
Licensed in Ohio since 1979 Appointed and Certified

I am Mike Wolshire, a licensed independent insurance agent for sales in the State of Ohio. I would be glad to discuss in detail information that may be needed to help eligible people make an informed decision about Medicare and Insurance choices.

Appointed Insurance Carriers: Aetna Health, American National, Anthem BCBS, Ameritas, GeoBlue Travel, Humana, Illinois Mutual, Medical Mutual, Mutual of Omaha, North American Life, Principal, Protective Life, Silver Scripts, United Commercial Travlers and United Health Care (AARP).

Medicare Advantage Plans (Part C)*

Health Maintenance Organization (HMO)* Medicare Advantage is an "all in one" alternative to Original Medicare. These "bundled" plans include Part A, Part B, and usually Part D. In most cases, you will need to use doctors who are in the plan's network (for non-emergency or non-urgent care). Ask your doctor if they participate in any Medicare Avantage Plans.

Medicare Preferred Provider
Organization (PPO)*

A Medicare Advantage Plan that provides all Original Medicare Part A and Part B health coverage and sometimes covers Part D prescription drug coverage. PPOs have network doctors and hospitals but you can also use out-of-network providers, usually at a higher cost.

Long Term Care (LTC)

Long term care is the assistance a person may need with the basic activities of daily living - eating, bathing, dressing, transferring, toileting, and continence. Long term care consists mainly of personal care rather than medical care, which is typically covered by a health plan.

Medicare Prescription Drug Plan (PDP)*

A stand-alone drug plan that adds prescription drug coverage to Original Medicare.

Dental/Vision/Hearing Products

Plans offering additional benefits for consumers who are looking to cover needs for dental, vision or hearing. These plans are not affiliated or connected with Medicare.

Medicare Supplement (Medigap) Products*

Plans offering a supplemental policy to fill "gaps" in Original Medicare coverage. A Medigap policy typically pays some or all of the deductible and coinsurance amounts applicable to Medicare-covered services, and sometimes covers items and services that are not covered by Medicare, such as care outside of the country. These plans are not affiliated or connected to Medicare.

Original Medicare

Part A (Hosptial Insurance Original Medicare)

  • Inpatient Care in hospitals
  • Skilled Nursing Care in Facility Care
  • Hospice Care
  • Home Health Care

Part B (Medical Insurance Original Medicare.

  • Services From Doctors and Other Health Care Providers
  • Outpatient Care
  • Home Health Care
  • Durable Medical Equipment (like wheelchairs, walkers, hospital beds, and other equipment and supplies)
  • Many Preventive Services (like screenings, shots, and yearly "Wellness" visits

Travel Insurance Bought Through Your Travel Agency

Medicare, will Not pay medical care expenses or limit coverage Outside of the U.S.A.

Some Major Medical and Supplement Insurance Plans also have no coverage Outside of the U.S.A..

Check with your insurance carrier.

Travel insurance can be brought through your travel agency
Check out your limits on medical care

Contact

Contact us via Phone: 740 687-0055

Email Us

By Appointment Only
121 W Sixth Ave
Lancaster, Ohio 43130