INDIVIDUAL AND FAMILY HEALTH

Insurance

Individual health insurance programs are designed for individuals and families who cannot obtain health insurance through an employer. Due to the continually rising cost of medical care, it has become more important to provide health insurance for you and your family. Chaney-Buskirk Insurance offers health insurance programs to individuals which offer extensive coverage as well as high-deductible programs which are designed to protect against catastrophic financial losses. As an independent agency, Chaney-Buskirk Insurance can provide insurance plans from numerous health insurance companies. With the health insurance market changing frequently, we are always on the lookout for quality, service-oriented insurance companies for our clients.

MEDICARE

Originating in the 1960s, Medicare is a government-provided fee-for-service insurance program intended primarily for seniors. The program encompasses several distinct parts, each of which is outlined below.

  • Medicare Part A covers facility-based care such as hospital visits, emergency room services, hospice, and nursing home care.
  • Medicare Part B covers traditional outpatient treatments and services, including vaccinations, lab tests, mental health services, outpatient operations, durable medical equipment, and most other medical services not performed in a hospital.
  • Medicare Part C (Medicare Advantage) covers elements of Parts A, B, and sometimes D.
  • Medicare Part D covers prescription drugs.
  • Medigap comes through private insurance companies and aims to fill in the “gaps” left in the traditional Medicare coverage.

KNOW YOUR CHOICES

While standard Medicare offers coverage for a wide variety of services, you may find that a different plan through a separate insurance carrier better fits your needs. If you are interested in alternative plans, we can help you find coverage through either Medigap or Medicare Advantage. Both of these plans offer additional support through third-party insurers, and they are required to provide equal or better coverage when compared to regular Medicare.

CONTACT US TODAY

If you believe that Medigap or Medicare Advantage are right for you, contact us today to discuss your insurance options. *Disclaimer: This page has not been reviewed or endorsed by Medicare.gov or any member of the Centers for Medicare & Medicaid Services (CMS).

GROUP HEALTH INSURANCE

In today’s environment, offering the right health insurance benefits can be a challenge. You want to provide the best possible plan for your employees yet it must also be cost efficient for your business. Chaney-Buskirk Insurance is committed to health insurance for both our commercial customers, who need group coverage for their employees, as well as the individual or family that needs coverage. With the changing face of health insurance in today’s market, we are staying abreast of the latest developments that will affect the coverage you expect as well as the cost impact upon you. We have the wide array of health insurance options available in our area, and we will always present to our customers the best options at the best price available.

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(304) 738-9419

77 Frankfort Hwy | Wiley Ford, WV 26767

(304) 298-4849
10016 Frankfort Hwy | Ft. Ashby, WV 26719