Why GoldenCare?
Our Insurance Specialists work one-on-one to educate you on all of your coverage options and to help guide you in your insurance planning. All of our products are hand-selected from top-rated carriers. For over 50 years, GoldenCare, has helped people find the best coverage options, at the lowest cost possible, with the highest level of expertise.
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. Not affiliated with or endorsed by the government or Federal Medicare Program.
Stand-alone Medicare Prescription Drug Plans (Part D)
A stand-alone drug plan that adds prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service Plans, and Medicare Medical Savings Account Plans.
Medicare Advantage Plans (Part C) and Cost Plans
Medicare Preferred Provider Organization (PPO) Plan:
A Medicare Advantage Plan that provides all Original Medicare Part A and Part B
health coverage and sometimes covers Part D prescription drug coverage. PPOs
have network doctors and hospitals but you can also use out-of-network
providers, usually at a higher cost.
Medicare Private Fee-For-Service (PFFS) Plan
A Medicare Advantage Plan in which you may go to any Medicare-approved doctor,
hospital and provider that accepts the plan’s payment, terms and conditions and
agrees to treat you – not all providers will. If you join a PFFS Plan that has a
network, you can see any of the network providers who have agreed to always
treat plan members. You will usually pay more to see out-of-network providers.
Medicare Point of Service (POS) Plan
A type of Medicare Advantage Plan available in a local or regional area which
combines the best feature of an HMO with an out-of-network benefit. Like the
HMO, members are required to designate an in-network physician to be the primary
health care provider. You can use doctors, hospitals, and providers outside of
the network for an additional cost.
Medicare Special Needs Plan (SNP)
A Medicare Advantage Plan that has a benefit package designed for people with
special health care needs. Examples of the specific groups served include people
who have both Medicare and Medicaid, people who reside in nursing homes, and
people who have certain chronic medical conditions.
Medicare Medical Savings Account (MSA) Plan
MSA Plans combine a high deductible health plan with a bank account. The plan
deposits money from Medicare into the account. You can use it to pay your
medical expenses until your deductible is met.
Medicare Cost Plan
In a Medicare Cost Plan, you can go to providers both in and out of network. If
you get services outside of the plan’s network, your Medicare-covered services
will be paid for under Original Medicare but you will be responsible for
Medicare coinsurance and deductibles.
Medicare Medicaid Plan (MMP)
An MMP is a private health plan designed to provide integrated and coordinated
Medicare and Medicaid benefits for dual eligible Medicare beneficiaries.
Dental/Vision/Hearing Products
Plans offering additional benefits for consumers who are looking to cover needs for dental, vision or hearing. These plans are not affiliated or connected to Medicare.
Hospital Indemnity Products
Plans offering additional benefits; payable to consumers based upon their medical utilization; sometimes used to defray copays/coinsurance. These plans are not affiliated or connected to Medicare.
Medicare Supplement (Medigap) Products
Plans offering a supplemental policy to fill “gaps” in Original Medicare coverage. A Medigap policy typically pays some or all of the deductible and coinsurance amounts applicable to Medicare-covered services, and sometimes covers items and services that are not covered by Medicare, such as care outside of the country. These plans are not affiliated or connected to Medicare.