Products

Whether you are looking for Medicare Supplement Insurance, Medicare Part D Drug program or a Medicare Advantage plan, let us take the hassle out of shopping around.

As independent agents we work with you to find the exact plan that suits your needs.

A Medicare Supplement Insurance (Medigap) policy, sold by private companies, can help pay some of the health care costs that Original Medicare doesn’t, like co-payments, co-insurance, and deductibles. Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when traveling outside the U.S. Some also cover health club membership fees.

Medicare Part D adds drug coverage to Original Medicare, via a stand-alone Part D plan, or comes incorporated into a Medicare Part C ‘Advantage’ plan.

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, all Medicare approved services are covered through the plan. Your Medicare services aren’t paid for by Original Medicare.

We offer health insurance plans through the Affordable Care Act/Marketplace for those under age 65 and can assist in the quote and enrollment process. Or, you may click the link to get a quote: https://www.healthsherpa.com/?_agent_id=michelle-morin-go0d1g .

For those who find themselves between plans, or are pre-Medicare age, we offer Short-Term Medical plans that are outside of the Marketplace anywhere from 1 month and up to 3 years of coverage.

Most folks don’t think about the fact that when you retire you lose your dental/vision coverage. We are proud to offer solid plans at reasonable rates.

Long-term care (LTC) is a range of services and support for your personal care needs. Most long-term care isn’t medical care. Instead, most long-term care is help with basic personal tasks of everyday life like bathing, dressing, and using the bathroom, sometimes called activities of daily living. Medicare doesn’t cover long-term care (also known as custodial care) if that’s the only care you need. Most nursing home care is custodial care. You pay 100% for non-covered services, including most long-term care. We can help you plan for that time.

We believe you shouldn’t have to fear the unexpected. We offer Permanent, Term and Final Expense life insurance products to help you protect what matters most should the unthinkable situation take place.

Disability Insurance protects your most valuable asset – your ability to work and provide an income for you and your family. We can help you with your next step of financial protection.

We believe you shouldn’t have to fear the unexpected. We offer Permanent, Term and Final Expense life insurance products to help you protect what matters most should the unthinkable situation take place. If you would like help determining how much life insurance you need, click the link: https://engage.midlandnational.com/life-insurance-calculator?agent=mmorin@mcpikeinsurance.com .

Hospital indemnity insurance plans are a supplemental insurance plan designed to pay for the costs of a hospital admission that may not be covered by other insurance. Deductibles, co-pays, and even transportation and lodging expenses are examples of how the supplemental payments may be used which provides peace of mind.

Cancer insurance can help with the direct and indirect costs of cancer treatment. It’s a lump-sum cash benefit that allows you to choose when and where to spend the money to cover a wide-range of expenses such as surgery, chemotherapy, deductibles and co-pays, lost income, or any other need that arises – you decide how the money is used.

One of our biggest fears is outliving our money. Let us show you how your savings can provide you an income for the rest of your life.