FAQs

Frequently Asked Questions

With over 70 years of experience across two generations, we have a wealth of information that we'd like to share with you.

This is a good place to start for answering general questions on individual and group health insurance policies, vision and dental insurance and travel insurance for visitors and US citizens.

We're always happy to speak with you if you can't easily find what you're looking for, just give us a call.

What’s the difference between Medicare Advantage and a Medicare Supplement?

Medicare Advantage and Medicare Supplement are different types of Medicare coverage. You cannot have both at the same time. Medicare Advantage bundles Part A and B often with Part D and other types of coverage. Medicare Supplement is additional coverage you can buy if you have Original Medicare Part A and B.
What is special about turning 65 with respect to health care?

In the United States, when you turn 65 and if you're already on Social Security, you'll be automatically be enrolled in Medicare Parts A and B, which cover hospital stays and visits to the doctor.
Why do I need additional Travel Insurance if I already have domestic health insurance?

Most hospitals overseas will not accept your domestic health insurance card. They want your credit card instead because they expect payment up front before you receive care. If you’re not prepared to pay all your medical bills out of pocket, you need travel insurance. Make sure you check your insurance policy BEFORE you travel overseas to see if your coverage extends to the country you are traveling to.