Health Insurance & Medicare

Health Insurance & Medicare

Have questions about how health insurance works? You've come to the right place.
Whether you are an individual or employer we will find the best plan for you. We will explain the differences between deductibles, coinsurance and copays, in-network and out-of-network benefits, HMO and PPO plans and more. Knowing about your plan's network is also important. It affects which doctors you can see and how much you pay for care. These are just a few examples of important details of how your plan works. 
Zimmer and Associates is an independent agency so we check with all our health insurance providers to see what plan will give you the “best bang for your buck” and are not limited to one provider.

If you do not have a health insurance plan available through your employer we are licensed to go into the federal marketplace to check what plans are available for you and for what cost. We work with the marketplace every day and know how it operates.. Lastly, it is a misconception that you pay more in premium if you use an agent. That is 100% not true and typically when we go through the application process with you we get you a bigger discount and save more! Even if the cost is the same, why not lean on the professionals? Let us deal with any issues that may arise, your time is much too valuable!  

When it comes to Medicare we take pride in being able to help our clients through some of those tough choices in life. Not only is it very confusing to most people but as soon as your 65th birthday you are bombarded with information, phone calls, mail, media and emails. It is extremely gratifying to be able to walk you through this process and get you a customized plan that fits your needs. 

HMO Medicare Advantage Plans are typically more affordable. For 2022, these plans have no medical or prescription deductibles and cover most preventive vaccinations at 100 percent.

PPO Medicare Advantage plans are typically more flexible. For 2022, PPO plans include no medical or prescription drug deductibles and cover most preventive vaccinations at 100 percent.
Vision, dental, hearing and over-the-counter benefits 
  • Enhanced dental: we have plans that include $0 copays on preventive care: 2 cleanings, 2 exams and 1 set of bite-wing x-rays, plus $1,000 for comprehensive care including root canals, fillings and crown repair at 50%. If you want additional dental benefits, there's an option to add more coverage starting at $18.00.
  • $0 vision: A routine vision exam and an annual eyewear allowance of $125 or more.
  • $0 hearing: A routine hearing exam and a fitting/ evaluation exam for hearing aids through a Nations Hearing provider. Hearing aid coverage available through the plan.
  • Over-the-counter benefits: Up to $400 per year allowance for over-the-counter items and medications. Receive up to $100 allowance per quarter to help lower you costs on over-the-counter medications such as aspirin, and cough and cold remedies. 
  • Our preferred pharmacy network gives you the lowest price on prescriptions.
Extras you don't pay for that help your health
  • 24/7 telehealth services – Medicare members can use telehealth services for PCP visits, behavioral health and dermatology.
  • Visitor/Traveler benefits – enjoy in-network prices for copays when you visit any Medicare-participating provider when traveling depending on your plan type. 
  • Non-emergent transportation to a doctor’s office, pharmacy, or other medically necessary appointment. 24 one-way trips annually. 
  • Free prescription delivery – Medicare plans include free delivery of prescription drugs. 
  • $0 fitness options –you'll be able to take advantage of a variety of fitness options such as gyms, studios, online classes as well as at-home FitKits.
  • Travel and fraud protection – Travel worry-free with global travel emergency services, including identity theft protection, 24/7 professional fraud support and help with unexpected medical expenses. 
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