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Medicare Advantage Plans
Medicare Advantage

Medicare Advantage, also known as Medicare Part C, is a program offered by private insurance companies that provides an alternative way for Medicare beneficiaries to receive their Medicare benefits. Medicare Advantage plans are required to cover all the services provided by Original Medicare (Medicare Part A and Part B), but they often include additional benefits as well.

Medicare Supplement Insurance
Medicare Supplements

Medicare Supplement plans, also known as Medigap plans, are private health insurance policies that can help pay for some of the costs that Original Medicare (Part A and Part B) doesn’t cover, such as copayments, deductibles, and coinsurance.

Supplemental Benefits
Supplemental Benefits

Supplemental benefits are additional benefits provided to individuals or groups to supplement their existing benefits or coverage. These benefits are often offered by employers, insurance companies, or government programs to enhance the basic coverage provided by a primary plan.

Vision and Dental Insurance Plans
Insurance – Vision & Dental

Vision and Dental insurance are types of health insurance plans that specifically cover expenses related to eye care and dental care, respectively. They are typically offered as separate policies or as add-ons to existing health insurance plans.

Owner of Gimeli Hanna Insurance Agency of New York

ABOUT US

We’re here to help you with exploring protection.

After selling insurance for many years, since 1989 to be exact, I decided to become an expert in Medicare Insurance. Unbeknownst to me, it was one of the most challenging endeavors I had attempted. I did not realize how complicated and confusing Medicare was. The more I spoke to the elders in our country, the more I realized that they, too, are just as confused and frustrated as I was. Therefore, I made it my mission to reach as many of our older community members throughout the greater Buffalo New York area as I could and eliminate at least some of the confusion they face.

As a state-licensed independent agent contracted with several insurance companies, I am able to find the plan that works best at eliminating at least some of the concerns on people’s minds. As a small agency, customer service is paramount, and I take time and care to do my very best for those who trust me with their Health Insurance needs.

Your Trusted Health Insurance Advisors in Buffalo

Why More People Choose Us

100% Secure Coverage

We understand the importance of your health and financial well-being. Our insurance plans offer comprehensive coverage, protecting you against unexpected medical expenses and emergency.

Flexible Plans

We understand that everyone’s healthcare needs are unique. That’s why we offer a range of flexible plans tailored to suit different budgets, lifestyles, and coverage requirements. Our team will work with you to find a plan that aligns with your specific needs and preferences.

Save Money

My services are absolutely free of charge! I strive to provide cost-effective solutions for our clients. I will analyze your specific needs and help you choose a plan that offers the maximum value for your money. We offer competitive premiums and work to maximize your coverage while minimizing costs.

Trusted Company

We take pride in being a trusted and reputable company in the insurance industry. Our company has a history of providing reliable services and maintaining high customer satisfaction. You can trust our expertise and professionalism to guide you through the insurance process.

Safe Investments

We partner with reputable insurance providers with a strong track record of financial stability and reliability. By choosing our services, you can trust that your investment in health insurance will be safeguarded, ensuring peace of mind for you and your loved ones.

Our Partners

Aetna Healthcare
Highmark Western New York Insurance
Univera Healthcare
WellCare Health Plans
Humana Insurance New York
Combined - A Chubb Company
United Healthcare Medicare Solutions

Health Insurance Agent FAQ

Certainly! Here are some frequently asked questions (FAQ) that health insurance agents often encounter:

Health insurance is a type of coverage that helps individuals and families pay for medical expenses. It provides financial protection by reimbursing or directly paying for healthcare services such as doctor visits, hospital stays, prescription medications, and preventive care.

Health insurance is important because it helps you manage the cost of healthcare. Without insurance, medical expenses can be overwhelming, especially for serious illnesses or emergencies. Health insurance provides access to medical services and ensures you are not burdened with excessive financial costs.

There are several types of health insurance plans, including:

  • Health Maintenance Organization (HMO): These plans require you to choose a primary care physician (PCP) and get referrals to see specialists.
  • Preferred Provider Organization (PPO): PPO plans allow you to see any doctor or specialist without a referral, but you’ll pay less if you use providers within the network.
  • Exclusive Provider Organization (EPO): EPO plans offer coverage only if you use providers within the network, except in emergencies.
  • Point of Service (POS): POS plans combine elements of HMO and PPO plans, where you can choose a PCP and get referrals, but also have the flexibility to go out-of-network at a higher cost.

When selecting a health insurance plan, consider factors such as your healthcare needs, budget, preferred doctors or hospitals, and prescription medications. Review the plan’s coverage, network of providers, cost-sharing (deductibles, copayments, and coinsurance), and any additional benefits or exclusions. It’s helpful to work with a licensed health insurance agent who can guide you through the selection process.

The cost of health insurance varies depending on factors such as your age, location, plan type, coverage level, and any applicable subsidies. Premiums, deductibles, copayments, and coinsurance all contribute to the overall cost. It’s important to compare different plans to find one that fits your budget and healthcare needs.

Yes, financial assistance is available for eligible individuals and families. The Affordable Care Act (ACA) provides subsidies in the form of premium tax credits and cost-sharing reductions, which help lower the cost of health insurance for those who qualify based on their income and household size. A licensed health insurance agent can help you determine your eligibility and guide you through the application process.

In most cases, you can only enroll in or make changes to health insurance plans during the annual open enrollment period. However, certain life events, such as getting married, having a baby, losing coverage, or moving to a new area, may qualify you for a special enrollment period. During this time, you can sign up for health insurance or make changes to your existing coverage.

The ACA prohibits insurance companies from denying coverage or charging higher premiums based on pre-existing conditions. Health insurance plans must provide coverage for essential health benefits, regardless of pre-existing conditions. This ensures that individuals with pre-existing conditions have access to health insurance coverage.

Once you have health insurance, you can use it by presenting your insurance card or providing your policy information at healthcare facilities. You may have to pay copayments or meet deductibles before insurance coverage kicks in. It’s important to review your plan documents to understand how to use your coverage effectively.

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