We have found that most people prefer a plan that allows them to choose their own doctor without a referral and not have to pay any co-pays, co-insurance, or deductibles. This type of coverage is known as a Medigap Plan F and is the most popular choice for seniors in the marketplace.
The combination of Original Medicare and a Plan F gives you 100% coverage for Medicare approved hospital and doctor services. You will not have to pay a deductible, co-pay, or coinsurance. In most cases, there is no waiting period on pre-existing conditions.
Another popular option is the new Medigap Plan N. This option is a good choice for out-of-pocket cost protection in the face of certain health conditions or budget sensitivity.
Regardless of the company, all Medicare supplement insurance Plans A through N are federally regulated and carry the exact same benefits. The only difference is the amount of the premiums charged by each company.
If you have ever wondered why your premiums are so high, or if you are paying too much for your Medicare supplement insurance coverage, then you owe it yourself to find out the answer. Click here to Contact Us, or give us a call.
We specialize in finding the lowest premiums for your Medicare supplement, and only from AM Best “A” rated companies. Our clients have the best price and coverage the market affords on their supplement insurance.
If we become your Medicare supplement insurance agent, we promise to ALWAYS keep you with the lowest possible price on your Medicare supplement insurance by periodically reviewing your price and coverage and making changes where necessary.
Medicare isn’t part of the Health Insurance Marketplace established by ACA (which, people forget, began in 2010), so you don’t have to replace your Medicare coverage with Marketplace coverage. No matter how you get Medicare, whether through Original Medicare or a Medicare Advantage Plan, you’ll still have the same benefits and security you have now.
You don’t need to do anything with the Marketplace during Open Enrollment.
Lower Part B Premiums
The Centers for Medicare and Medicaid Services (CMS) have been implementing cost efficiency measures cited in the ACA law, and as a result, the nonpartisan Congressional Budget Office estimates that Medicare and Medicaid funding will be reduced by 15 percent or $200 billion by 2020. These savings allowed Medicare to reduce Part B premiums by 6 percent in 2012 and lower the annual deductible by $22 – a first in Medicare’s history, to lower the deductible from the previous year.
Medicare Advantage Changes
The Affordable Care Act requires that Advantage plans cannot charge enrollees more than traditional Medicare for chemotherapy administration, skilled nursing home care and other specialized services. And starting in 2014, Medicare Advantage plans cannot spend more than 15 percent of their Medicare payment on administrative costs, insurance company profits and non-healthcare related items. This should yield about $1,000 in savings to CMS per Advantage Plan member without reducing any benefits. Remember: Medicare Advantage Plans must provide at a minimum what Original Medicare covers.
Life insurance can provide security to your family for years to come. You can avoid leaving debt behind as a burden to your loved ones, and help protect your family’s standard of living.
If you already have life insurance, you may need to review your coverage to ensure it is up to date with the progress of your family. If you think you can’t afford life insurance, then you and your family may be the very ones that need it.
Don’t allow perceived cost to put off this important decision. Whether it’s for final expenses or family preservation, there are many different levels of life insurance available. Contact us and we can help you find the solution that’s just right for you.
If you’re wondering “Why purchase cancer insurance?” here are the reasons:
Cancer insurance can solve these problems.
We understand that you may have questions about protecting your family’s well-being with life insurance and cancer insurance. Please feel free to Contact Us, as we look forward to answering your questions.
“We had tried for three or four years to get a better and cheaper insurance. Chris was able to do that for us and saved us a good bit of money. Thanks a lot. ”
Bobby and Ruby Layton
Oak Hill, WV
“Chris is a great guy. He helped me lower my medicare supplement premium significantly. He always returns my phone calls. I highly recommend him.”
“If I have to leave a message when I call Chris’s office, he or one of his team returns my call promptly. It has always been within a couple of hours. They always answer any and all questions that I have, and have executed their promise of keeping us at the lowest premium a couple of times now.
When you talk to them, you feel like you are the most important client they have.”
Walter and Jeanette Wilkinson
“I am thoroughly pleased with the service Ryan gave me there at The Burkes Group. I was a little hesitant at first, but Ryan explained to me the licensing and reputation of their group with each state’s Secretary of State and Department of Insurance… as well as their BBB rating. At the end of the day, the Plan F’s really are all the same, and Ryan and the guys there have so many top-rated insurance companies to choose from. I saved over $1300 for the exact same coverage, and couldn’t be happier.”
“I called Chris in February after receiving his letter. I was overpaying with my Anthem and was about to take out a policy with less benefits with another agent. Chris listened to my situation, and within no time helped change to a less expensive policy with my exact same benefits! His knowledge of what he’s doing, and this Medicare “maze”, is top of the line. I would recommend him to anybody.””
“We think Chris is the best insurance agent we have ever done business with. I am 75 and my wife is 67 and have seen many. He is always available to answer our questions and give us good advice. He is the best. ”
Robert and Olivia Bowman
“After reviewing our coverage, Chris pointed out some key things we were not even aware of! He made some recommendations, and we took action! We’re proud to say we have more protection for the money and our family is secure.”
Jon and Paula Pixler
“Christopher has been handling my medicare supplement insurance for years now. He keeps in touch with me through phone calls or letters. And he’s always ready to find me the best price on my medicare supplement!”
“We are so pleased to have Chris Burkes as our insurance agent. He saved us money and is such a joy to work with. We recommend him to our friends at church all the time.”
G.E. and Beverly Zuber
“You helped me save over a hundred dollars a month by changing the company providing my medicare supplement insurance. You were very kind and gave me excellent information and advice.”
I have been in the insurance business for more than seven years, and serve clients in Mississippi, Tennessee, Louisiana, Indiana and West Virginia. I have extensive knowledge of the Medicare program and the insurance products available for its beneficiaries.
I am proud of my unparalleled customer service and ability to provide the most cost effective solutions for my Medicare clients.
I am a lifelong resident of Mississippi. I attended the University of Southern Mississippi and Belhaven University. I have both a Bachelor’s and Master’s degree in Business Administration. I am married to my high school sweetheart, Caitlin. We have two boys: Brandon, who is 7…and Ian, who is now 2 and a maniac!
Ryan Mitchell has been in the customer service industry for more than 10 years, and helps serve clients in Mississippi, Louisiana, Indiana, Tennessee and West Virginia. A former Texan, Mr. Mitchell has served in the US Army for more than 6 years. He is proud of his unparalleled customer service, and his ability to provide solutions to those in need of help.
Lyla Fullman was born and raised in Mountain Lakes, New Jersey which is about 35 minutes outside of New York City. She is a licensed insurance agent and has worked in customer service her entire career. After college in 2009 she moved to Mississippi (with her dog Maisy) and has worked in our insurance office ever since! She loves it here!
Joseph Guernsey is a native of Michigan. After college he went to work for GM Onstar where he met his wife, a Mississippi native. In 2005, they moved to Mississippi, and in 2007 their daughter was born. They now reside on the Reservoir and attend Wesley Chapel. Joe is a licensed insurance agent and ready to help. Joe welcomed a brand new baby girl in January of this year.
Brad Stern comes to us after spending several years in the beautiful state of Florida. Brad originally hails from Kennesaw, Georgia, just outside of Atlanta. Brad is a licensed insurance agent and has worked in management and customer service for more than 10 years.
Matt Farmer is the newest member of our team and has already proven himself a valuable addition to our operations. Matt is a native of Mississippi and his travels, along with his adventures and achievements, in both customer service and sales, are too numerous to list. He is a licensed insurance agent and lives in Belhaven, Jackson, MS. Matt is a huge international soccer fan and enjoys pulling for his favorite team, Everton.
Michael McCammon is our operations manager. He was born in Memphis, grew up in Mississippi, and attended Ole Miss. Michael has been in customer service and public relations his entire career. Michael has worked on literally every aspect of our business system to the point of mastery. He is a very valuable employee and friend.
We will be happy to answer any questions, or provide you a no-obligation quote on your insurance needs.
198 Charmant Place, Suite 2
Ridgeland, MS 39157
P.O. Box 1047
Ridgeland, MS 39158