Business Details
6 Years
experience
Your Trusted Medicare Plan Experts
America Healthcare was founded by professionals with over two decades of experience in the Medicare industry. Our mission is to simplify Medicare, empowering Americans to find plans that align with their healthcare needs and financial goals. Our agents undergo rigorous annual training exceeding 100 hours, ensuring deep expertise in Medicare Supplement, Advantage, and Part D plans. Licensed in California, Arizona, and Nevada, we provide free, unbiased guidance to help clients navigate enrollment, compare coverage options, and understand evolving Medicare regulations. With a focus on transparency and client education, we prioritize predictable costs, nationwide provider access, and personalized support throughout policy lifetimes. Services
Medicare Supplement Plans
Medicare Advantage Plans
Medicare Part D
Medigap Enrollment
Prescription Drug Plans
Details
- Year established: 2020
Highlights and features
- Agents complete 100+ hours of annual Medicare certification training
- Unbiased comparisons across 30+ insurance providers
- Specialized expertise in avoiding Part D late enrollment penalties
- Free lifetime policyholder support services
- Licensed operations in California, Arizona, and Nevada
Associations and certifications
- American Health Insurance Plans (A.H.I.P.)
Services
Medicare Supplement Plans
Medicare Supplement Plans cover out-of-pocket costs like deductibles and copays for Original Medicare. These standardized policies offer predictable expenses, nationwide provider access, and guaranteed renewability. Ideal for beneficiaries seeking comprehensive coverage without network restrictions, they help manage unexpected medical costs while maintaining physician choice.
Medicare Advantage Plans
Medicare Advantage Plans bundle Part A, B, and often D coverage with additional benefits like dental and vision. These cost-effective options feature local networks, prior authorization requirements, and all-in-one convenience. We help clients compare HMO, PPO, and special needs plans to find optimal network access and supplemental benefits.
Medicare Part D
Part D plans reduce prescription costs through tiered formularies and deductibles. Our experts analyze drug coverage, copay structures, and total annual costs to identify optimal plans. We guide clients through enrollment periods, donut hole implications, and penalty avoidance while ensuring medication coverage continuity.
Medicare Enrollment Assistance
Our licensed agents provide personalized plan comparisons during initial enrollment and annual election periods. We analyze clients' medical needs, budget constraints, and future requirements to recommend Medigap, Advantage, or Part D plans. Services include penalty calculations, coverage gap analysis, and lifetime policy support.
Medicare Cost Analysis
We conduct detailed cost-benefit analyses comparing plan premiums, deductibles, and out-of-pocket maximums. Our evaluations consider clients' health status, medication regimens, and provider preferences to identify financially optimal solutions. This includes long-term projections for chronic condition management and emergency care scenarios.
Questions
What's the difference between Medigap and Medicare Advantage?
Medigap works with Original Medicare to cover deductibles and copays, offering nationwide provider access. Medicare Advantage replaces Medicare with private plans that include additional benefits but require network usage and prior authorizations.
When can I enroll in a Medicare plan?
Initial enrollment occurs 7 months around your 65th birthday. Annual changes can be made October 15-December 7. Special enrollment periods apply for life events like moving or losing employer coverage.
Do I need Part D prescription coverage?
Part D is optional but recommended to avoid lifelong penalties. We analyze your medications and budget to find plans with optimal formulary coverage and copay structures.
How much do Medicare Supplement plans cost?
Plan G costs $115/month in California. Prices vary by state, age, and tobacco use. Household discounts apply for couples, and guaranteed issue rights protect against health-based denials during specific enrollment periods.
Can I change Medigap plans after enrollment?
You can switch Medigap plans anytime, but underwriting applies outside your initial 6-month window. We help evaluate new needs and identify carriers offering better rates or coverage.
What services aren't covered by Medicare?
Original Medicare excludes dental, vision, hearing, and long-term care. Medigap covers Medicare-approved costs only, while Advantage plans may include these extras. We help identify supplemental coverage options.
