Protecting Your Future With Tailored Health Insurance Solutions
At Centerstone Health & Benefits Agency, we specialize in providing comprehensive and personalized insurance solutions for individuals and families. Whether you're looking for individual or family health insurance plans, or need expert guidance on navigating Medicare, we’re here to simplify the process and help you make informed decisions with confidence.
We take the time to understand your unique needs, goals, and budget, and then match you with the right coverage from trusted carriers. With our hands-on support and deep industry knowledge, securing the right plan becomes simple, stress-free, and empowering.
Contact us today to explore your options and take the first step toward peace of mind with coverage you can count on.
Find the Right Health Insurance Options
At Centerstone Health & Benefits, we help individuals and families find the right health insurance coverage to match their needs and budget. Whether you're facing a life change or simply exploring new options, our team offers clear, personalized guidance every step of the way.
With access to major medical, dental, vision, and supplemental plans from trusted carriers, we make the process simple, stress-free, and empowering. Let Centerstone be your trusted partner in finding peace of mind through the right coverage. Contact us today to explore your options.
Health Maintenance Organization (HMO)
An HMO, or Health Maintenance Organization, is a type of health insurance plan that requires members to use a network of doctors and hospitals. You usually need a primary care physician (PCP) and must get referrals from them to see specialists. HMOs typically have lower premiums and out-of-pocket costs, but less flexibility in choosing healthcare providers.
Preferred Provider Organization (PPO)
A PPO, or Preferred Provider Organization, is a type of health insurance plan that offers more flexibility in choosing healthcare providers. You can see any doctor or specialist, in or out of the network, without a referral, though you'll pay less if you use network providers. PPOs usually have higher premiums and out-of-pocket costs, but they offer more freedom in selecting healthcare providers.
Exclusive Provider Organization (EPO)
An EPO, or Exclusive Provider Organization, is a type of health insurance plan that combines features of HMOs and PPOs. With an EPO, you must use doctors and hospitals within the plan's network, except in emergencies. However, you don't need a referral to see specialists. EPOs generally have lower premiums than PPOs but require staying within the network for coverage.
Point of Service (POS)
A POS, or Point of Service plan, is a type of health insurance that blends elements of HMOs and PPOs. It requires you to choose a primary care physician (PCP) who coordinates your care and provides referrals for specialists. While you can see out-of-network providers, it usually comes with higher costs. POS plans offer a balance between cost control and provider flexibility.
Find the Right Medicare Solutions
At Centerstone Health & Benefits, we offer a full range of Medicare solutions tailored to your individual needs. Whether you're enrolling for the first time or reviewing existing coverage, we provide expert guidance on Medicare Advantage, Medicare Supplement (Medigap), and Part D Prescription Drug plans. Each option is explained clearly, so you can feel confident in your choices.
To ensure well-rounded protection, we also offer dental and vision plans that complement your Medicare coverage. Our experienced team takes the time to understand your health needs, provider preferences, and budget — then recommends plans that truly fit.
Contact us today to explore your Medicare options and get the personalized support you deserve.
Medicare Advantage (Part C)
Medicare Advantage, also known as Part C, are offered by private insurers and combine Part A (hospital) and Part B (medical) coverage, often including Part D (prescription drugs). They may offer extra benefits like dental, vision, and wellness programs. Costs and coverage details vary by plan, so it's crucial to check provider networks, out-of-pocket limits, and premium costs to find the best fit for your needs.
Medicare Supplement (Medigap)
Medicare Supplement, also known as Medigap, is extra insurance sold by private companies to help cover costs not paid by Original Medicare, like co-payments, co-insurance, and deductibles. It doesn't cover prescription drugs, so you may need a separate Part D plan. Important things to know: Medigap policies have standardized benefits, meaning the coverage is the same across companies, but premiums can vary.
Medicare Prescription Drug Plan (Part D)
Medicare Prescription Drug Plans, also known as Part D, are offered by private insurers to help cover the cost of prescription medications. They can be standalone plans or included in Medicare Advantage. Each plan has a formulary, a list of covered drugs, which can vary. Costs include premiums, deductibles, and co-pays, and there's a coverage gap where costs may be higher. It's important to choose a plan that fits your medication needs.
Dental & Vision Plans
Ancillary dental and vision plans can be a great addition for those on Medicare. Original Medicare doesn't typically cover routine dental or vision care, so having these plans can help with costs for services like cleanings, eyeglasses, and exams. They can reduce out-of-pocket expenses, promote overall health, and provide peace of mind. In addition to covering routine care, ancillary dental and vision plans can also help with unexpected expenses like dental procedures or vision correction.
Plan for Tomorrow, Today
Let us help you find the right Health Insurance or Medicare plan. Contact us for a personalized quote.
