Business Details
17 Years
experience
Your Trusted Medicare Supplement Insurance Partner in Bonita Springs
USA Medicare Plan has been dedicated to helping seniors navigate Medicare supplement options since 2009. Our team of licensed insurance professionals operates in 28 states, providing personalized guidance to help clients find cost-effective Medicare solutions. We specialize in educating seniors about Original Medicare Parts A and B, Medigap plans, Medicare Advantage, and Part D prescription drug coverage. Our consultative approach focuses on identifying coverage gaps and recommending plans that balance affordability with comprehensive benefits.With expertise in standardized Medigap policies like Plan F, G, and N, we help clients understand premium variations across carriers while ensuring portability and guaranteed renewable coverage. Our services include annual rate reviews to maintain optimal pricing and assistance with enrollment during open enrollment periods to avoid medical underwriting. We emphasize freedom of provider choice, nationwide coverage, and transparent explanations of benefits including foreign travel emergency protection.
Services
Medicare Supplement Plans
Medicare Advantage Plans
Part D Prescription Drug Coverage
Dental Insurance
Travel Insurance
Details
- Year established: 2009
Highlights and features
- We offer personalized Medicare plan comparisons based on individual needs
- Licensed insurance agents operating in 28 states
- Annual rate reviews to ensure continued competitive pricing
- Specialized expertise in Medigap policies and Medicare Advantage plans
- Guaranteed renewable coverage with nationwide provider networks
What people say
Saved me a ton of money
Perfect plan for me
Fantastic to work with
Caring broker
Saved customers up to $100 monthly
Services
Medicare Supplement Plans
Medicare Supplement Plans help cover out-of-pocket costs from Original Medicare Parts A and B. These standardized policies pay for copayments, coinsurance, and deductibles. With nationwide provider access and guaranteed renewable coverage, our clients can see any Medicare-accepting physician without network restrictions. Plans F, G, and N offer different benefit levels while maintaining portability across state lines.
Medicare Advantage Plans
Medicare Advantage combines hospital and medical coverage with additional benefits like dental and vision. These HMO and PPO plans offer network-based care with annual out-of-pocket maximums. We help clients evaluate prescription drug inclusion, fitness memberships, and regional service areas to determine if Advantage plans better suit their healthcare spending patterns.
Part D Prescription Drug Coverage
Our Part D prescription drug plans provide standalone medication coverage for Medicare beneficiaries. We assist clients in selecting formulary-specific plans that match their medication needs while avoiding late enrollment penalties. Coverage options include both in-network and out-of-network pharmacy benefits with varying cost-sharing structures.
Dental Insurance
Our dental insurance plans include vision and hearing benefits with flexible network options. Clients receive coverage for preventive care, major procedures, and specialty treatments. We offer both in-network discounts and out-of-network reimbursement options to accommodate different provider preferences and budget requirements.
Travel Insurance
Selected Medigap plans provide foreign travel emergency coverage for unexpected medical expenses abroad. This benefit covers 80% of approved charges after a deductible, with lifetime maximum limits. We help clients understand coverage parameters for international travel while maintaining domestic Medicare benefits.
People
Shauneen Sullivan
Owner
Shauneen Sullivan has specialized in Medicare insurance since 2009, helping seniors navigate supplement options nationwide. A licensed broker in 28 states, she focuses on personalized plan comparisons and cost-saving strategies. Her experience began assisting her husband with Medicare enrollment, leading to a dedicated practice that emphasizes clear explanations and annual rate optimization.
Questions
What's the difference between Medigap and Medicare Advantage?
Medigap plans supplement Original Medicare with standardized benefits and nationwide provider access. Medicare Advantage replaces Original Medicare with network-based care and additional benefits like dental coverage.
When should I enroll in a Medicare Supplement plan?
The best time is during your 6-month Open Enrollment period starting when Part B begins. This allows guaranteed issue without medical underwriting requirements.
Can I switch Medicare plans after enrollment?
Yes, you can switch Medigap plans at any time, though medical underwriting may apply outside your initial enrollment period. Medicare Advantage changes require specific enrollment periods.
Do Medigap plans cover prescription drugs?
No, Medigap policies don't include prescription coverage. You'll need a separate Part D plan for medication benefits, which we can help coordinate with your supplement policy.
How do you get paid for your services?
Our consultation services are free to clients. We receive standard commissions from insurance carriers when clients enroll in recommended plans through our agency.
Are premiums the same for all Medigap carriers?
While benefits are standardized, premiums vary significantly between insurers. We compare multiple carriers to find the best value based on your location and budget.
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