Our Medicare Coverage Plans
Explore Medicare coverage options designed to fit your health needs, offering access to comprehensive care and quality medical services.
Medicare Supplement Plans (Medigap)
Medicare Supplement Insurance, also known as Medigap, helps cover the costs that Original Medicare (Part A and Part B) does not fully pay, such as deductibles, copayments, and coinsurance.
These plans are offered by private insurance companies and are designed to work alongside Original Medicare, not replace it. With a Medigap plan, you have the freedom to see any doctor or hospital nationwide that accepts Medicare.
Key Benefits:
- Helps reduce out-of-pocket medical expenses.
- Standardized coverage in most states, making it easier to compare.
- Greater predictability in your healthcare costs.
Note: Medigap plans do not include prescription drug coverage (Part D). If you want prescription coverage, you need to enroll in a separate Part D plan.
Medicare Advantage Plans (Part C)
Medicare Advantage, also known as Part C, combines all the benefits of Original Medicare (Part A and Part B) into one plan offered by private insurers approved by the Centers for Medicare & Medicaid Services (CMS).
Many Medicare Advantage plans also include prescription drug coverage (Part D) and additional benefits such as vision, dental, hearing, and wellness programs.
Key Benefits:
- Comprehensive coverage in a single plan.
- Options for low or even $0 additional premiums (depending on the plan).
- Extra benefits not included in Original Medicare.
- Access to networks of contracted doctors and hospitals.
Enrollment in a plan depends on the renewal of the contract with Medicare. Benefits, premiums, and networks may vary by plan and service area.
Medicare Part D Plans
Medicare Prescription Drug Plans, also known as Part D, help cover the cost of brand-name and generic prescription drugs. These plans are offered by private insurers approved by Medicare and are available as:
- Stand-alone Prescription Drug Plans (PDPs), which can be added to Original Medicare or a Medigap plan.
- Part of a Medicare Advantage plan that already includes prescription drug coverage.
Key Benefits:
- Savings on prescription drug costs.
- Access to participating pharmacies in your area.
- Protection against very high expenses through catastrophic coverage.
Each plan has its own formulary (list of covered drugs), premiums, and cost-sharing. It is important to compare options to make sure your prescriptions are covered.
Medicare Bridge Plans
Medicare Bridge Plans are temporary health insurance plans designed to cover individuals between the ages of 60 and 65 who are not yet eligible for Medicare but want health protection while waiting to qualify.
These plans are offered by private insurance companies and can provide important coverage during the transition to Medicare.
Key Benefits:
- Major medical coverage before becoming eligible for Medicare.
- Temporary option until age 65 or until eligibility is reached through another pathway.
- Flexibility in certain benefits depending on the plan.
These are not Medicare plans and are not affiliated with the federal Medicare program. They work only as a temporary solution before entering Medicare.
Frequently Asked Questions
Q:
Do you offer free, no-obligation consultations?
Yes. Our licensed insurance agents provide free, no-obligation consultations to help you understand your coverage options before making a decision.
Q:
Can you help me enroll directly in a plan?
Absolutely. In addition to guiding you, we support you throughout the entire enrollment process to ensure your coverage is activated correctly and on time.
Q:
Do you offer educational seminars?
Yes. We offer free educational seminars upon request. These sessions are designed to provide clear, reliable information about healthcare and insurance options, helping individuals and groups stay informed and make confident decisions.
Q:
What are the benefits of working with Health Insurance Solutions instead of doing it on my own?
With us, you receive personalized attention, ongoing support after enrollment, and the peace of mind of having a team that represents you with the insurance companies in case of questions or issues.
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1127 Eldridge Pkwy #300-369 Houston, TX 77077
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© 2025, Health Insurance Solutions A non-government entity powered by Health Insurance Solution, a health insurance agency.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. If you are a Medicare beneficiary and would like to know more about all your the products in your service are please visit www.medicare.gov or call 1–800– MEDICARE to get information on all of your options.
Health Insurance Solutions represents Medicare Advantage (HMO, PPO, PFFS, and PDP) organizations that have a Medicare contract or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare If I qualify for Medicare, I request to speak with a licensed insurance agent who can provide details on available Medicare Advantage and Prescription Drug Plans benefits. This request does not obligate me to enroll in a plan, change my current coverage, or automatically sign me up for a new plan.
*Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
The Part B Giveback Benefit pays part or all of your Part B premium and the amount may change based on the amount you pay for Part B.
Not all plans offer all these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of year unless you qualify for a Special Enrollment Period. MULTIPLAN_HISWEBSITE_2025_C.
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