Hello, i'm Jared

Hello, Welcome to Blue Clover Insurance

We have created this website and also our Facebook page to connect with people like yourself to give you resources with your questions about Life Insurance, Health Insurance, Medicare supplements and many more.

Medicare

The Basics

Medicare consists of Medicare Part A and Medicare part B, which is called "Original Medicare".

Hospital (Part A):

  • Inpatient Hospitalization
  • Skilled Nursing
  • Home Health Care
  • Hospice Care
  • Typically is premium free

Hospital (Part B):

  • Office Visits
  • E.R. & Urgent Care
  • Surgeons
  • Radiology & Labs
  • Ambulance & Life Flight
  • Does have a premium.

Things Medicare doesn't cover:

  • Prescriptions
  • Dental
  • Vision
  • Hearing
  • More...Please contact me for more details

Coverage Options

Private Insurance companies approved by Medicare have created plans through Medicare Supplements, Prescription Drug, and Medicare Advantage plans to work along with Original Medicare to help cover the cost Medicare Part A and part B don’t cover.

Medigap (Medicare Supplements) Policies

These plans help cover the costs of Medicare Part A and B.

  • You have the ability to see any doctor that accepts Medicare
  • They do not include anything extra like Prescription Drug, Dental, or Vision
  • With Medicare Supplements look at it like high premiums but lower risk

Part D (Prescription Drug) Plan

Private Companies approved by Medicare run these plans. Plans cover different drugs and medically necessary drugs must be covered. If you forgo prescription coverage when starting your Medicare, you may be subject to a penalty if you ever need prescription coverage in the future.

Medicare Advantage Plans

These bundled plans include Part A and Part B and usually Part D. Generally, you must see doctors in the plan network. Your costs may be lower than in the Original Medicare, and you may get extra benefits like dental, vision, hearing, and more. Think lower premiums and higher risk.

Enrollment Timeline

Initial Enrollment Period

During your Initial Enrollment Period, you can choose what type of coverage you feel comfortable with. Working with an agent doesn't increase your costs, but it will decrease your worries and stress.

6 months before turning 65

After Initial Election Period

If you chose a Medicare Advantage plan or prescription drug plan for your coverage, you usually cannot make a plan change during the year, unless a special circumstance occurs.

3 months before Birthday Month
& 3 months after

After Initial Election Period

This is the time to meet with your agent, evaluate plan options, and changes to your Medicare Advantage plan or Prescription Drug plan.

Annual Enrollment Period

During your Annual Enrollment Period, you can choose what type of coverage you feel comfortable with. Working with an agent doesn't increase your costs, but it will decrease your worries and stress.

October 15th - December 7th

Download the Medicare booklet to learn Even More!
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Health Insurance

The Basics

Group or Company Insurance

These are plans sponsored through your employer offered only to employees within the company

Marketplace

Also known as Obamacare. These are offered on a per-state basis.

Medical/Health Sharing Plans

These are reimbursement style of health plans; the patient pays the bill first and then sends that to the company to get reimbursed.

Health Insurance Definitions

Premium

The amount you pay for your health insurance. This is paid every month to keep the policy active.

Deductibles

This is the amount you are responsible to pay before your plan starts to pay out.

Copay

This is a fixed amount established by your plan ($30 for example) that you pay for a covered health care service after you've paid your deductible.

Coinsurance

The percentage of covered health care service you pay after you've paid your deductible.

Allowed Amount

The max amount a plan with allow for a covered health care service.

Out of Pocket Maximum

The most you will have to pay for covered services during the plan year. This includes deductibles, copayments, and coinsurance care and services. Your plan will then pay 100% of the costs covered benefits. You still have to pay your monthly premium after this is met.

Primary Care Provider (PCP)

This is a physician (M.D. or D.O.) that directly provides or coordinates a range of services for a patient.

Specialist Visit

A physician that specializes in a focused area of care.

Preventative Services

This is a routine health visit that includes screenings, check-ups, and patient counseling to prevent illness, disease, or other health problems.

Preauthorization

This is a decision made by your health insurer or plan that a health care service, treatment plan, prescription drug or durable medical equipment is medically necessary. This is not a promise that your health insurance plan will cover the cost.

Download the Health Insurance booklet to learn Even More!
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Life Insurance

Coming Soon!

What We offer

Health Insurance - Group & Individual

Accelerate your development workflow with cloneable interface elements and components.

Medicare Supplement Plans (Medigap)

Accelerate your development workflow with cloneable interface elements and components.

Medicare Advantage

Accelerate your development workflow with cloneable interface elements and components.

Life Insurance

Accelerate your development workflow with cloneable interface elements and components.

Dental/ Vision /Hearing

Accelerate your development workflow with cloneable interface elements and components.

Prescription Drug Plans (Part D)

Accelerate your development workflow with cloneable interface elements and components.

And More

Accelerate your development workflow with cloneable interface elements and components.

Our Process

At Blue Clover Insurance what we enjoy most is getting to know you. It's amazing how small this world really is and how many connections are made each time we met someone new. We want to get to know you, your family, your situation, and what it is specifically that your looking for or need help with.

Chat & Assessment

We do this through in person, phone call, or video chat to learn more about you and how we can help

Search the Market

We will then take our conversation, do some searching on our end about the best options to help you.

Select & Save

Once we met again and if what we offer fits what you are looking for we will help you with the process of signing up and getting the things you need.

Blog Posts

How $10 a month changed my life

You may be wondering how $10 a month could change anyone’s life and I would be thinking the same thing.

The Difference between Medicare Supplement (Medigap) and Medicare Advantage (Part C)

I’m asked this question often in my efforts to help people with their Medicare coverage.

What is Original Medicare?

You may have heard the term Original Medicare, Part A, Part B and so many other terms for Medicare. There are a lot and yes it can get confusing in a hurry.

Health Insurance Deductibles, Coinsurance, Copays, and Maximum out of Pocket

You may be like me and you have heard the terms, deductibles, coinsurance, copays, and maximum out of pocket and just went a long with it. But didn’t have a full grasp of how they really worked.