Health Solutions

Medicare Supplement Insurance, also known as Medigap, pays for some of the expenses not covered by the original Medicare program (Parts A and B). Medicare supplements are not designed to replace Medicare. Instead, they supplement Original Medicare by paying for things such as co-payments, coinsurance, deductibles and more.

Medigap or Medicare Supplemental Insurance plans are standardized by the same agency that oversees Medicare, but these plans are sold and administered by private companies.

Medicare Advantage plans, also called Medicare Part C are health insurance plans that are approved by Medicare and run by private insurance companies. A Medicare Advantage plan is required to provide ALL Medicare Part A and Medicare Part B benefits and may include prescription drug coverage.

Most Medicare Advantage Plans also add additional benefits like dental or vision coverage, health club memberships, medical transportation, or coverage for hearing aids. Although some require the beneficiary to pay a premium they are considerably LOWER than most Medicare supplements.

Part D adds prescription drug coverage to Original Medicare and some Medicare Advantage plans. These plans are offered by private companies approved by Medicare, and must follow guidelines established by The Centers for Medicare and Medicaid Services.

When most people think about health insurance, they think first about covering costs of treatment for serious medical conditions or accidents. That’s a natural thing to do. But there’s another type of insurance that’s equally important to your well-being dental insurance. Because dental disease is so common, being protected by dental insurance and using it wisely are essential safeguards for you and your family.

Cornerstone Insurance Services Inc has developed a “one-stop shopping” concept for your health care insurance services. Providing you with all the insurance products you need to create the savings you want.

Navigating the health insurance landscape is challenging. Health care isn’t one-size-fits-all. Neither are our insurance recommendations. With the creation of the Affordable Care Act, your choices have only gotten broader and more affordable.

Let us help you find the coverage that fits your needs.

As Human Resources management, you know the importance of employee benefits and their contribution to business’ success. We work with you to develop a program tailored to your company’s wants and needs.

Cornerstone Insurance Services Inc designs Employee Benefit Plans and Services for companies with two or more employees. We work for you, serving as your advocate when dealing with insurance companies.