What we offer
Full-Service Insurance & Medicare Guidance
From your first Medicare enrollment to retirement income planning — Price Services Group handles it all, independently, with no carrier quotas.
Medicare
Medicare Plans
Medicare decisions made at 65 can follow you for decades. We help you evaluate every option — not just the ones that are easy to sell — so you enroll with confidence.
Medicare Advantage (Part C)
Compare every Medicare Advantage plan available in your county — premiums, out-of-pocket maximums, star ratings, prescription coverage, dental, vision, and hearing benefits. Plans vary dramatically by county, so local expertise matters.
Medicare Supplement (Medigap)
Medigap fills Original Medicare's cost-sharing gaps — the 20% coinsurance, hospital deductibles, and excess charges. Plan G is the most comprehensive option available to new enrollees. Plan N offers a lower premium with small copays. Both let you see any Medicare-accepting provider in the country — no networks, no referrals.
Part D Prescription Drug Plans
Part D plans vary widely in premium, deductible, and formulary. The right plan depends on your specific medications — a plan with a low premium may cost you far more if your drugs are in a higher tier. The 2026 plan year includes a new $2,100 out-of-pocket cap, the largest beneficiary protection ever added to Part D.
Special Needs Plans (SNPs)
Special Needs Plans are a type of Medicare Advantage plan designed for specific groups: dual-eligible beneficiaries (Medicare + Medicaid), those in institutions, and those with certain chronic conditions. SNPs often provide enhanced benefits for these populations and may coordinate both Medicare and Medicaid benefits.
Free Medicare education
Medicare Class — LearnMedicare.org
Before you make any Medicare enrollment decisions, understanding the basics makes a real difference. LearnMedicare.org offers free online Medicare classes covering enrollment windows, plan types, costs, and common mistakes — in plain, easy-to-follow language.
Life insurance
Life Insurance
Life insurance protects the people who depend on you. We'll help you figure out how much coverage you actually need and which type makes sense — without overselling.
Term Life Insurance
Pure death-benefit protection for a defined period — 10, 20, or 30 years. Term is generally the most affordable way to provide significant income replacement for a family during the years it's needed most. If you outlive the term, coverage ends; no cash value accumulates.
Whole Life Insurance
Permanent coverage with a guaranteed death benefit and a cash value component that grows at a guaranteed rate. Premiums are level for life. Whole life works as a long-term financial planning tool for those who want permanent coverage and predictable growth — not just pure protection.
Final Expense Insurance
Simplified-issue whole life insurance for $5,000–$25,000 designed to cover funeral costs, medical bills, and end-of-life expenses. No medical exam required for most applicants. Coverage is permanent, premiums are fixed, and the death benefit is guaranteed. Available to applicants up to age 85.
Disability Income Insurance
Short- and long-term disability insurance replaces a portion of your income if you're unable to work due to illness or injury. Often overlooked, disability risk is statistically higher than the risk of early death for working-age adults. We can help evaluate what your employer offers and whether supplemental coverage makes sense.
Long term care
Long Term Care Insurance
Medicare does not cover long term care. Most people don't realize this until they — or a loved one — need it. Planning ahead while you're healthy is the most important step you can take.
Traditional Long Term Care Insurance
Standalone LTC policies that pay a daily or monthly benefit toward the cost of in-home care, assisted living, adult day care, memory care, or skilled nursing facilities. Benefits are triggered when you need help with two or more Activities of Daily Living (ADLs). Premiums are based on your age and health at the time you apply — the earlier you plan, the lower your premium.
Hybrid Life / LTC Policies
Hybrid policies combine a life insurance or annuity contract with a long term care rider. If you need care, the policy pays for it. If you never need care, your beneficiaries receive a death benefit. Hybrid policies solve the "use it or lose it" concern of traditional LTC insurance and typically have guaranteed premiums.
Retirement income
Annuities
Annuities turn a lump sum into guaranteed income — either for a set period or for life. We work with multiple carriers to find the right structure, term, and payout option for your retirement plan.
Fixed Annuities
Fixed annuities provide a guaranteed interest rate for a set term (typically 3–10 years), similar to a CD but with tax deferral. Your principal and interest are guaranteed by the issuing carrier. Fixed annuities are a straightforward way to earn a predictable, competitive rate while protecting principal.
Fixed Indexed Annuities (FIA)
Fixed indexed annuities earn interest linked to a market index (typically the S&P 500) with a floor of 0% — meaning your principal is protected from market losses. Growth potential exceeds traditional fixed annuities in good market years, while your downside is capped at zero. FIAs are not investments; they are insurance contracts.
Health insurance
ACA & Marketplace Health Insurance
For individuals and families who don't qualify for Medicare or employer coverage, the ACA Marketplace offers subsidized and off-marketplace health plans. We help you find the right fit year-round.
ACA Marketplace Plans
Affordable Care Act plans sold through the federal or state Marketplace. Premium tax credits are available based on income — many clients qualify for significantly reduced premiums. Open Enrollment runs November 1 – January 15; Special Enrollment Periods are available for qualifying life events.
Off-Marketplace Health Plans
Private health insurance plans sold outside the federal Marketplace. These plans don't qualify for ACA premium tax credits but may offer more flexibility in network and benefit design. A good option for those who don't qualify for subsidies.
Ancillary coverage
Supplemental & Ancillary Plans
These plans layer on top of your primary health or Medicare coverage to fill gaps, cover specific conditions, or protect against unexpected out-of-pocket costs.
Dental, Vision & Hearing
Standalone dental, vision, and hearing plans for individuals who need coverage outside of what Medicare or their health plan provides. Original Medicare does not cover routine dental, vision, or hearing — a standalone plan fills that gap.
Hospital Indemnity
Hospital indemnity plans pay a fixed cash benefit directly to you for each day you're hospitalized — regardless of what your other insurance pays. The cash can be used for anything: copays, household bills, transportation, or lost income during recovery.
Cancer & Critical Illness
Lump-sum or scheduled benefit plans that pay when you're diagnosed with cancer, heart attack, stroke, or other specified critical illnesses. Benefits are paid directly to you — not to a provider — to cover treatment costs, travel, or income replacement during recovery.
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 (1-800-633-4227) to get information on all of your options. Price Services Group is an independent licensed agency — not affiliated with or endorsed by the U.S. government or the federal Medicare program. This page is for general information only — not medical, insurance, tax, or legal advice. Eligibility, costs, and plan availability vary by location and plan year.
Questions
Common questions
What is the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage (Part C) replaces Original Medicare with a plan from a private carrier — it typically has lower premiums but uses provider networks. Medicare Supplement (Medigap) works alongside Original Medicare, paying cost-sharing gaps, and lets you see any Medicare-accepting provider in the country. The right choice depends on your health needs, budget, and preferred doctors.
Do I need a separate Part D drug plan if I have Medicare Advantage?
Most Medicare Advantage plans already include prescription drug coverage (called MA-PD plans). If your Advantage plan doesn't include Part D, or if you have Original Medicare, you'll need a standalone Part D Prescription Drug Plan (PDP).
What is an annuity and is it right for me?
An annuity is a contract with an insurance company that turns a lump sum into a stream of guaranteed income — for a set period or for life. Fixed and fixed-indexed annuities provide principal protection with potential growth. Whether an annuity is right depends on your income needs, other retirement accounts, and risk tolerance. Kayla can walk through the pros and cons for your specific situation.
What is final expense life insurance?
Final expense insurance is a type of whole life insurance designed to cover end-of-life costs — funeral, burial, medical bills, and other expenses. Policies are smaller ($5,000–$25,000 face value), have simplified underwriting (no medical exam for most), and are available up to age 85. Premiums are level for life.