(407) 437-0612
At Affordable Insurance Specialists we offer quality health insurance options for you and your family. Our staff is trained to assist you in finding the right plan for your needs we have access to various providers and options to walk you through. We work with several different top-rated insurance companies and will place your account with the company that will provide you with the coverage and benefits you want.
Customer Satisfaction is Our Goal!
At Affordable Insurance Specialists, we would love to discuss any of your insurance needs. Below is a list of our products, however, this list is not comprehensive, so if what you are looking for is not listed here, please give us a call, email, or fill out a form to request help with finding the best coverage at the most affordable cost. Let us work with you to find the right fit for your unique situation.
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Medicare Insurance
Medicare planning is part of what we offer, Confused when trying to determine whether a Medicare Advantage Plan or a Medicare Supplement Plan, also known as Medigap, is the best option? We can help. Our team of experienced AHIP-certified Medicare specialists guide our clients with education and support to enroll in the plan that meets their needs and budget
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Disclaimer
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. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
ACA Insurance
The Affordable Care Act (ACA), also called Obamacare, is designed to make guaranteed issue health insurance plans available to everyone. These plans cover pre-existing conditions along with a list of essential health benefits that don't change from plan to plan. The ACA requires insurers to offer these policies at the same cost as non-ACA-compliant plans and prohibits insurers from denying coverage for medical expenses that could be reasonably anticipated once someone participates in the plan's entire plan year (January through December).
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Vision & Dental
The vision correction benefits of insurance are significant. When you factor in the cost difference between corrective glasses and the cost of eye care that insurance pays for, getting your glasses can save you a lot of money. The savings received from having insurance offsets the cost of insurance, often paying for itself and then some.
Dental Insurance
Affordable Insurance Specialists has a dental insurance plan that helps you cover the costs of preventative dental care while softening the blow on pricier dental procedures like crowns, bridges, and fillings.
Accidental Insurance
Your medical bills and other potential out-of-pocket expenses following an accident can be covered by accident insurance. This covers any necessary emergency care, hospital stays, medical examinations, as well as additional costs you might incur, like travel and hotel requirements. Accident insurance can offer protection that bridges the gap between medical insurance and other types of insurance, such automobile or employment-related insurance.
MEDICARE VS. MEDICAID
What is a Medicare Advantage Plan? How does Medicaid work along with Medicare?
MEDICARE
Medicare Part C, also called Medicare Advantage (MA), are private insurance plans offered by Medicare-approved companies. These plans provide most of Part A (Hospital Insurance) and Part B (Medical Insurance) coverage and typically offer extra benefits such as vision, hearing and dental care. Most Part C plans also include Medicare Part D prescription drug coverage (MAPD plans).
MEDICAID
Medicaid is a joint federal and state program that helps cover medical costs for some people with limited income and resources. The federal government has general rules that all state Medicaid programs must follow, but each state runs its own program. This means eligibility requirements and benefits can vary from state to state. Medicaid offers benefits that Medicare doesn’t normally cover, like nursing home care and personal care services. People with Medicaid usually don’t pay anything for covered medical expenses but may owe a small co-payment for some items or services.
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Did you know that those who have Medicare and are eligible for Medicaid can use them together?
LIS (LOW INCOME SUBSIDY) OR "EXTRA HELP"
A program to help individuals pay for Medicare prescription drug costs. Medicare beneficiaries receiving LIS may qualify for assistance in paying for their Part D monthly premium, annual deductible, coinsurance, and copayments. The amount of subsidy depends on the individual's income compared to the Federal Poverty Level and resource limitations set by the Social Security Act. This program is also known as Extra Help.
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If you have a low budget income and believe you may qualify contact us to help you apply.