Types of Plans We Help With
Finding the right plan for you starts with understanding you and your situation. We’ll work with you to understand your needs and find the right Medicare coverage for you, helping you save money! There are many different Medicare & health plans to consider while beginning your Medicare journey, each with unique benefits. Continue reading or use the buttons below to navigate and learn more about the various Medicare & health plans we help with.
MEDICARE PLANS
Medicare Supplement Plans
Medicare Supplement Insurance is sold to Medicare users by private insurance companies to help fill in the gaps not covered by Medicare. For example, Medicare Supplement Insurance helps pay for remaining healthcare costs, including co-payments, deductibles, and coinsurance.
Medicare Prescription Plans
Medicare Stand-Alone Prescription Drug Plans (PDP). Plans to be partnered with your supplement, to help cover prescription drug costs.
Medicare Advantage Plans
Medicare Advantage Plans roll your health coverage, prescription drug coverage, plus potential additional benefits into one plan.
Ancillary Insurance
Dental Plans
Vision & Hearing Plans
Cancer Plans
Hospital Indemnity
Individual (Non-Medicare / Under 65)
Short Term Health Plans
Health Insurance for a specified term length DOES NOT cover pregnancy, pre-existing conditions, mental health services, or prescription drugs.
Individual Fully Insured
Traditional Health Insurance DOES cover pregnancy, pre-existing conditions, mental health services, or prescription drugs.
Life Insurance Plans
Whole Life Plans
Whole life insurance is a life insurance policy guaranteed for the insured's life as long as the premiums are paid. The insurance company will pay your beneficiary a certain amount when you pass. Your whole life insurance policy will stay in effect, and your premiums will remain the same regardless of health or age changes.
Term Life Plans
Term life insurance is a policy that provides coverage for a limited time period. If you pass within the term, the insurance company will pay your beneficiary a certain amount. When the policy expires or is cancelled no premium is returned to the policyholder or their family unless the Return of Premium rider was purchased.
Annuities
Fixed Index Annuities
Fixed Index Annuity provides a guaranteed interest rate, and is guaranteed to never lose principle.
Variable Annuities
A variable annuity's are based on the performance of an investment portfolio. Although variable annuities carry the potential of higher returns than fixed annuities, they don't offer a guaranteed payout.
What Our Client Say
Fantastic From Start To Finish
"I never give reviews on services I use but felt inclined to do so when Cole asked me for one. My wife and I are both 73 years old and had had the same Medicare broker since we took Medicare. We never heard from or orignial broker after we signed up with him. I head about Hammond Health Service froma friend and thought 'what the heck, my insurance rate is getting pretty expensive I'll give this guy a call' and I am glad I did. He answered all our questions and explained things we were unaware of. Cole was able to keep us on teh same Medicare Supplement Plan F and save us $675 a year for the same thing we already had by moving us to a different insurance company. I had no idea that the Plan F was a federally standardized insurance plan"
Tim-
Slide title
"I have had Cole Hammond as my Medicare Broker for a few years now. He sent me a hand written thank you card after I signed up with him which doesn't happen to often anymore. He also calls me every year nad makes sure I am getting the best price for my Supplement each year. In fact, after my rate went up this year he called and said he could move me to another insurance company and save me $345 a year. He really cares about his business and all his clients."
Wayne -
Slide title
"Cole Hammond does a fantastic job explaining how Medicare works and helped me get a Plan that works great for me."
Sally
Types of Plans We Help With
Finding the right plan for you starts with understanding you and your situation. We’ll work with you to understand your needs and find the right Medicare coverage for you, helping you save money! There are many different Medicare & health plans to consider while beginning your Medicare journey, each with unique benefits. Continue reading or use the buttons below to navigate and learn more about the various Medicare & health plans we help with.
MEDICARE PLANS
Medicare Supplement Plans
Medicare Supplement Insurance is sold to Medicare users by private insurance companies to help fill in the gaps not covered by Medicare. For example, Medicare Supplement Insurance helps pay for remaining healthcare costs, including co-payments, deductibles, and coinsurance.
Medicare Prescription Plans
Medicare Stand-Alone Prescription Drug Plans (PDP). Plans to be partnered with your supplement, to help cover prescription drug costs.
Medicare Advantage Plans
Medicare Advantage Plans roll your health coverage, prescription drug coverage, plus potential additional benefits into one plan.
Ancillary Insurance
Dental Plans
Vision & Hearing Plans
Cancer Plans
Hospital Indemnity
Individual (Non-Medicare / Under 65)
Short Term Health Plans
Health Insurance for a specified term length DOES NOT cover pregnancy, pre-existing conditions, mental health services, or prescription drugs.
Individual Fully Insured
Traditional Health Insurance DOES cover pregnancy, pre-existing conditions, mental health services, or prescription drugs.
Life Insurance Plans
Whole Life Plans
Whole life insurance is a life insurance policy guaranteed for the insured's life as long as the premiums are paid. The insurance company will pay your beneficiary a certain amount when you pass. Your whole life insurance policy will stay in effect, and your premiums will remain the same regardless of health or age changes.
Term Life Plans
Term life insurance is a policy that provides coverage for a limited time period. If you pass within the term, the insurance company will pay your beneficiary a certain amount. When the policy expires or is cancelled no premium is returned to the policyholder or their family unless the Return of Premium rider was purchased.
Annuities
Fixed Index Annuities
Fixed Index Annuity provides a guaranteed interest rate, and is guaranteed to never lose principle.
Variable Annuities
A variable annuity's are based on the performance of an investment portfolio. Although variable annuities carry the potential of higher returns than fixed annuities, they don't offer a guaranteed payout.
What Our Client Say
-
Slide title
"Cole Hammond does a fantastic job explaining how Medicare works and helped me get a Plan that works great for me."
Sally
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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.