Services We Offer

Medicare Advantage Plans are a type of Medicare health plan offered by a private company that contracts with Medicare to provide all your Part A and Part B benefits. Most Medicare Advantage Plans also offer prescription drug coverage. If you’re enrolled in a Medicare Advantage Plan, most Medicare services are covered through the plan. Your Medicare services aren’t paid for by Original Medicare.

Depending on the state you live in and the insurance carrier some insurance plans may be available to help cover out-of-pocket expenses for hospital care and fill all or some of the gap in most Medicare Advantage Plans. Many hospital plans are indemnity type plans, meaning they pay the insured directly, regardless of other insurance coverage. Health questions may be included to determine eligibility.

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Original Medicare and Medicare Advantage Plans pay part of cancer treatments. Other cancer insurance plans are built to pay a lump-sum benefit to help pay coinsurance and co-payments often accompanying cancer treatments. Plans may also be available in your state to cover advanced screening. Qualification includes pre-existing condition look-backs. Contact us for details of these plans and availability in your state.

Insurance may be available in your state to help cover co-payments and/or coinsurance for on-going doctor, clinic and hospital visits after suffering a heart attack or stroke. Most plans pay a one lump sum benefit regardless of any other insurance benefits.

West Coast Florida Insurance Specialist is the go-to source for all your social security filing needs. As a Registered Social Security Analyst we are dedicated to helping you understand the process, maximize your benefits and choose the filing option that is best for you. We take a personalized approach to advising our clients, taking into account your unique goals and circumstances. Our commitment is to help alleviate the anxiety and confusion many people feel when it comes to social security filing. Call us today and we’ll help get you started on the right path.

Medicare Supplement Insurance Plans help fill “gaps” in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance policy can help pay some of the remaining health care costs.

If you are the type of person that whenever possible would prefer to recover at Home you may want to explore Home Health Care Plans. At home nursing or companion care can be quite expensive and coverage may be limited by most general insurance plans.

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Click the View Video to see information from Guarantee Trust Life Insurance

Burial or cremation and other final expense costs are not covered by Original Medicare or Medicare Advantage Plans. Some private life insurance companies offer coverage for this need. Some plans’ qualifications may include health questions to determine eligibility or premium.

Each plan that offers prescription drug coverage through Medicare Part D must give at least a standard level of coverage set by Medicare. Plans can vary the list of prescription drugs they cover (called a formulary) and how they place drugs into different “tiers” on their formularies.

Original Medicare does not cover normal dental, vision or hearing costs. Some Medicare Advantage Plans may offer some coverage to these costs. Insurance and discount plans are available through private insurance companies to help cover these costs. These companies determine what the plans will cover, if there will be a deductible or co-pay, and how much the premiums will be. Some plans may exclude some pre-existing conditions.

West Coast Florida Insurance Specialist is dedicated to providing personalized and comprehensive life insurance solutions to our clients. Whether you're looking for a policy to cover end-of-life expenses or to provide long-term support for your family, we are here to help. Contact us today to learn more about our life insurance offerings and discover how we can help you achieve financial security.