What we offer
Insurance & Medicare Guidance
We provide guidance on Medicare, life insurance, and retirement coverage, comparing options from the carriers we represent.
Medicare
Medicare Plans
Medicare choices can have lasting effects. We explain the options we represent and help compare them with your needs, preferences, and budget.
Medicare Advantage (Part C)
We compare Medicare Advantage plans we represent in your county, including premiums, out-of-pocket costs, star ratings, prescription coverage, and extra benefits. We do not offer every plan available in every area; use Medicare.gov to review all options.
Coverage Overview (Medigap)
Medigap helps pay certain out-of-pocket costs under Original Medicare. Plan G and Plan N benefits differ: Plan N may require copayments for some office and emergency-room visits and does not cover Part B excess charges. Premiums vary by insurer and location. With Original Medicare, you can generally use providers nationwide who accept Medicare; Medicare SELECT policies may require certain providers for full benefits. Neither Medigap nor Plans G and N include prescription drug coverage.
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. For 2026, the standard deductible is up to $615 and the annual out-of-pocket threshold is $2,100. For 2027, CMS finalized a $700 defined-standard deductible and a $2,400 annual threshold. Plan-specific costs vary; check current plan materials. These thresholds apply to covered drugs, not premiums.
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
Final expense is a common label for smaller whole life policies intended to help with funeral and other end-of-life expenses. Coverage amounts, issue ages, underwriting, premiums, and policy benefits vary by insurer and contract. Some policies use health questions or an exam; review any waiting period, exclusions, premium schedule, and guaranteed values in the policy documents.
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 generally does not cover custodial long-term care. It may cover qualifying short-term skilled nursing care under specific conditions. Medicaid and other options have separate eligibility rules; learn about Medicare long-term care coverage.
Traditional Long Term Care Insurance
Long-term care policies may reimburse covered care or pay a stated benefit, subject to the contract. Covered services, benefit triggers, elimination periods, benefit limits, inflation options, premiums, and underwriting vary by policy. Review the contract and compare costs before applying.
Hybrid Life / LTC Policies
Some life insurance or annuity contracts offer a long-term-care rider. Benefits, costs, eligibility, and any remaining death benefit depend on the contract and rider; premiums and charges vary. Compare the policy’s terms and tradeoffs with other coverage options.
For a full long term care and retirement income strategy, our retirement planning partner, Prosperity Services Group, can help build a complete plan alongside your coverage here.
Retirement income
Annuities
Some annuities can be structured to provide guaranteed payments for a stated period or for life. Payout options, contract terms, fees, access to funds, and guarantees vary by product and issuing insurer. For dedicated safe money and retirement income planning, visit our retirement planning partner, Prosperity Services Group.
Fixed Annuities
A fixed annuity may guarantee a stated interest rate for a specified period under its contract. Rates, fees, withdrawal limits, surrender charges, and renewal terms vary. Guarantees depend on the issuing insurer’s claims-paying ability; an annuity is not a bank CD or deposit.
Fixed Indexed Annuities (FIA)
A fixed indexed annuity credits interest based in part on an external index, subject to contract features such as caps, participation rates, spreads, and crediting periods. The contract specifies the index and crediting method; caps, participation rates, spreads, and other terms affect returns. A zero floor for index-linked interest does not eliminate the effects of fees, withdrawals, or surrender charges on contract value. These are insurance contracts, not direct investments in an index.
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 policies may pay a fixed cash benefit for a covered hospital stay or other specified service. Covered events, benefit amounts, day limits, waiting periods, and exclusions vary by policy. Benefits paid to you may be used for expenses such as copays or household bills.
Cancer & Critical Illness
Lump-sum or scheduled-benefit policies may pay when a covered diagnosis or event meets the policy's definitions. Covered conditions, exclusions, benefit amounts, and waiting periods vary. Benefits are generally paid to you and may be used for expenses such as treatment costs, travel, or household bills.
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) provides Medicare benefits through a private plan and may use provider networks. Medigap works alongside Original Medicare to help pay certain out-of-pocket costs. With Original Medicare, you can generally use providers nationwide who accept Medicare, though Medicare SELECT policies may require certain providers. Medigap benefits and cost-sharing vary by plan; prescription drug coverage is separate. 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?
Some annuities can be structured to provide payments for a stated period or for life. Features, access to funds, costs, and guarantees depend on the contract and issuing insurer. Whether an annuity fits depends on your income needs, other retirement resources, and risk tolerance; review the contract before deciding.
What is final expense life insurance?
Final expense is a marketing name often used for smaller whole life policies intended to help with end-of-life expenses. Available coverage amounts, eligibility ages, underwriting, premiums, and benefits depend on the insurer and specific policy; some policies require health questions or an exam. Review the policy documents and any waiting period before applying.
Helpful links
More from Price Services Group
Book a free Medicare review before December 7.
About Kayla Price →Independent, licensed in 10 states. No carrier quotas.
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Insurance blog →Medicare, life, annuities, and retirement guides.
For official Medicare plan information, visit Medicare.gov or call 1-800-MEDICARE. For ACA Marketplace plans, visit HealthCare.gov.