Health Insurance in Honesdale, PA

For reliable health insurance and Medicare, call 570-253-0466 today!

Individual Health Insurance

We offer several different types of individual and family health insurance plans. Individual health insurance is coverage that you purchase on your own, as opposed to obtaining through an employer or a government-run program. Our licensed agents are here to help you find the right health insurance plan to suit your individual needs.

Whether you are self-employed, your employer does not offer a group plan, or you are enrolled in a health plan but the premiums are too high, contact Meagher Insurance Agency today.

Health Insurance Honesdale PA
Group Health Insurance

Group Health Insurance

Are you looking for health insurance for your small business? At Meagher Insurance Agency, we offer a broad selection of group health plans to choose from. Our agents provide personalized recommendations and guidance through the application and enrollment process. We are licensed with Highmark, Blue Cross Blue Shield, and Geisinger.

Group health insurance plans can be expanded to also include group dental and group vision insurance. Compare free quotes with no pressure. Call our knowledgeable agents today at 570-253-0466!

Medicare Advantage Plans

You can get your Medicare benefits through Original Medicare, or a Medicare Advantage Plan (like an HMO or PPO). If you have Original Medicare, the government pays for Medicare benefits when you get them. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare. Medicare pays these companies to cover your Medicare benefits.

If you join a Medicare Advantage Plan, the plan will provide all of your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage. This is different than a Medicare Supplement Insurance (Medigap) policy.

Medicare Honesdale PA
Here are the different types of Medicare Advantage Plans:
  • Health Maintenance Organization (HMO) plans—In most HMOs, you can only go to doctors, other health care providers, or hospitals in the plan’s network, except in an urgent or emergency situation. You may also need to get a referral from your primary care doctor for tests or to see other doctors or specialists.
  • Preferred Provider Organization (PPO) plans—In a PPO, you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. You usually pay more if you use doctors, hospitals, and providers outside of the network.
  • Private Fee-for-Service (PFFS) plansPFFS plans are similar to Original Medicare in that you can generally go to any doctor, other health care provider, or hospital as long as they accept the plan’s payment terms. The plan determines how much it will pay doctors, other health care providers, and hospitals, and how much you must pay when you get care.
  • Special Needs Plans (SNPs)SNPs provide focused and specialized health care for specific groups of people, like those who have both Medicare and Medicaid, live in a nursing home, or have certain chronic medical conditions.
  • HMO Point-of-Service (HMOPOS) plans—These are HMO plans that may allow you to get some services out-of-network for a higher copayment.
Medicare Advantage

Medicare Supplement Plans

Medicare Supplement Plans are also known as aka Medigap Policies. Original Medicare pays for many, but not all, health care services and supplies. A Medigap policy is private insurance that helps supplement Original Medicare. This means it helps pay some of the health care costs that Original Medicare doesn’t cover (like copayments, coinsurance, and deductibles). These are “gaps” in Medicare coverage. If you have Original Medicare and a Medigap policy, Medicare will pay its share of the Medicare-approved amounts for covered health care costs. Then your Medigap policy pays its share. A Medigap policy is different from a Medicare Advantage Plan (like an HMO or PPO) because those plans are ways to get Medicare benefits, while a Medigap policy only supplements the costs of your Original Medicare benefits.

All Medigap policies must follow Federal and state laws designed to protect you, and policies must be clearly identified as “Medicare Supplement Insurance.” Medigap insurance companies in most states can only sell you a “standardized” Medigap policy. Each standardized Medigap policy must offer the same basic benefits, no matter which insurance company sells it. All plans offer the same basic benefits but some offer additional benefits. You can choose which plan meets your needs.

Medicare doesn’t pay any of your costs for a Medigap policy.

Generally, you must have Medicare Parts A and B to be able to buy a Medigap policy. The best time to buy a Medigap policy is on the first day of the month in which you’re 65 or older and enrolled in Part B. This time period, called your Medigap Open Enrollment Period, ends 6 months later. During this period, an insurance company can’t refuse to sell you a policy or charge you more because of your health. If you’re under 65, you won’t have this Open Enrollment Period until you turn 65, but state law might give you a right to buy a policy before then. Note: A Medigap policy covers only one person. Spouses must each have their own policy.

Compare Pennsylvania Medicare Plans

Advantage Plans
(Part C of Medicare)

Supplement Plans
(Medigap)

Cost

As little as $0 per month to almost $300/month.

Start around $85-100/month. Generally, will also need to be paired with a Part D Prescription Plan that run $14-18/month for the majority of people.

Coverage

All companies must offer the same 29 categories of medical benefits. The differences between plans and companies are monthly premiums, what your co-pays, co-insurance, and deductibles are in each of the 29 categories, and the most you could be billed in a calendar year, known as the Maximum Out of Pocket (varies between $3,400 and $6,700). The portion of Medical bills you are responsible for are detailed in the Summary of Benefits found in each company’s “Enrollment Kit.”

Designed to pick up the remainder of the bill that Original Medicare parts A and B does not pay.

Benefits

  1. Low cost, as little as $0 per month.
  2. No underwriting. Everyone is accepted unless they have End Stage Renal Disease.
  3. Some plans have limited vision, hearing, and dental benefits, as well as no cost gym membership programs.
  4. Most plans come with prescriptions in one all-inclusive premium.
  1. Very easy to understand and highly Federally regulated. You pay your premiums and almost nothing else. There are no co-pays for doctor visits, surgical procedures, diagnostic tests, ambulance rides, hospitalizations, etc., with the exception of Plan N
  2. You have the right to go to any doctor or facility in the country that accepts Medicare Assignment. No matter what company your supplement is with, the doctor or hospital must accept it if they accept you as a patient. There are no networks to worry about.
  3. Benefits rarely, if ever change. This means you will always have little or no out of pocket expense.

Negatives

  1. Plans are HMO’s or PPO’s. With HMO’s, you must get your care from participating network doctors, facilities, and hospitals. You are generally only covered out of the area in an emergency. With PPO’s, you do have the option of seeing out of network providers, however, if you choose to do so, you could be billed thousands of dollars more.
  2. Premiums can rise. In the past, some plans have increased 50% or more from one year to the next.
  3. Benefits can change year to year, often resulting in higher co-pays and out of pocket expenses.
  4. Exposure to some potentially higher out of pocket costs, in the thousands of dollars, for some services like skilled nursing facilities, durable medical equipment, chemotherapy drugs, prosthetic devices, and hospitalizations.
  5. Once enrolled in Advantage Plan, it may become impossible or unaffordable to enroll in a Supplement in the future.
  1. Generally, more expensive than Advantage Plans. Premiums will increase as you age.
  2. No vision, dental, hearing, or gym membership benefits. These will be paid entirely out of your pocket.
  3. These plans can be medically underwritten in some circumstances. It is possible to be denied coverage outside of initial enrollment in Medicare Part B.

Compare Pennsylvania Medicare Plans

 Compare Pennsylvania Medicare Plans

Contact Information

Get In Touch:

570-253-0466

Paul@meagheragency.com

Operating Hours:

Monday through Friday 8:30 AM - 4:30 PM

Saturday and Sunday (By Appointment)

Address:

416 Main St

Honesdale, PA 18431

Meagher Insurance Agency

Meagher Insurance Agency is a locally owned business that is devoted to helping you find the insurance that best fits your needs and lifestyle. Our committed local agents provide honest advice and quality personal insurance products to keep you, your family, and the things you value most protected. We make our insurance process as simple and hassle-free as possible while providing local claims service as well as being equipped with valuable knowledge of the local market.

BrokerCheck

Products are underwritten by the issuing life insurance company. Insurance products are subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Securities offered through Cetera Financial Specialists, LLC., member FINRA, SIPC in AR, CA, FL, IL, NY, TX, and WY. Representative of Cetera Financial Specialists, LLC, affiliated companies and other companies.