Medicare & Health
Navigating Medicare can feel overwhelming. Harbour Bay Insurance helps clients understand coverage options, eligibility, and available benefits so they can make informed decisions based on their individual healthcare needs.
Medicare services
Harbour Bay Insurance takes time to ask the right questions, review eligibility, and help clients understand the plans and benefits available to them.
Guidance for clients reviewing Medicare Advantage options, including how plan features, costs, eligibility, and benefits may relate to their healthcare needs.
Help understanding Medicare Supplement coverage and how available options may fit alongside Original Medicare based on individual needs and circumstances.
Medicare coverage choices
There are 2 main ways to get your Medicare coverage—Original Medicare or a Medicare Advantage Plan. Use these steps to help you decide which way to get your coverage.
Step 2: Add drug coverage.
Step 3: Decide if you need to add supplemental coverage.
Part C (like an HMO or PPO)
Step 2: Decide if you need to add drug coverage.
Prescription Drug Coverage
Most Medicare Advantage Plans cover prescription drugs. You may be able to add drug coverage in some plan types if not already included.
If you join a Medicare Advantage Plan, you can’t use and can’t be sold a Medicare Supplement Insurance (Medigap) policy.
If you have an employer plan you have a unique situation. Please contact our office to discuss your options.
Medicare Advantage carrier options
Many clients recognize the carrier name first. Harbour Bay Insurance can help you review available Medicare Advantage plan options from the companies we are appointed to represent, subject to availability and eligibility.
Carrier and plan availability varies by location, eligibility, and plan year. Ask which options are available for your situation.
Health & supplemental coverage
Harbour Bay Insurance helps clients review health and supplemental insurance options based on individual needs and circumstances.
Available coverage is discussed around your situation rather than a one-size-fits-all approach.
Questions, eligibility, available benefits, and coverage details are explained in straightforward language.
Individual & Group Health Insurance
Harbour Bay Insurance helps individuals under age 65 and businesses understand available health insurance options and choose coverage based on their specific needs and circumstances.
Guidance for individuals and families who are not yet eligible for Medicare and want help understanding available health insurance coverage.
Harbour Bay Insurance also helps businesses and organizations with 5 or more employees explore group health insurance options and understand available plan choices.
Health Insurance Companies
Plan availability, eligibility, coverage, costs, and benefits may vary based on individual or group circumstances and available insurance products.
Additional Insurance Services
In addition to Medicare and health insurance guidance, Harbour Bay Insurance also helps clients explore the following client-provided supplemental insurance services.
Available options depend on individual needs, eligibility, and applicable product availability.
Medicare education
Harbour Bay Insurance focuses on helping clients understand what they are considering, how available coverage works, and which information matters to their individual healthcare needs.
Medicare information
For official Medicare information and resources, visit Medicare.gov.
Questions about Medicare or health coverage?