Located In Downtown Morristown
HELMS DOUGHERTY
INSURANCE AGENCY
(423) 307-7712
Info@HelmsDougherty.Com
Medicare Health Plans To Fit Your Needs
Medicare health plans provide Part A (Hospital Insurance)and Part B (Medical Insurance) benefits to people with Medicare. These plans are generally offered by private companies that contract with Medicare and may include (PDP) Prescription Drug Coverage as well as additional benefits not covered by Original Medicare such as OTC Over The Counter items, Dental, Vision, and Hearing services.
Medicare Supplement Insurance (Medigap) is extra insurance you can buy from a private health insurance company to help pay your share of out-of-pocket costs in Original Medicare, like copayments, coinsurance, and deductibles. Medicare Supplement Plans are standardized for coverage regardless of the Insurance Carrier that offers them. Most Medicare Recipients that choose a Medicare Supplement Insurance will couple it with a Stand Alone (PDP) prescription Drug.
Medicare drug coverage (also known as Medicare Part D) helps pay for the brand-name and generic drugs you need. It's optional and offered to everyone with Medicare by insurance companies and other private companies approved by Medicare.
Experienced & Independent
With over 13 Years Experience in helping Clients find the right Health and Drug Plans that fit their budget and healthcare needs, Helms Dougherty Insurance Agency is here to help you or your loved one find that right Medicare/ACA Plan. Our licensed insurance Agents are ready to assist with all your health insurance questions as we have helped thousands of clients over their years with diverse programs such as:
Medicare Supplement
(MAPD) and (MA-only) Medicare Advantage Plans
(PDP) Stand Alone Prescription Medicare Plans
(SNP) Medicare Advantage Special needs Programs & (C-SNP) Chronic Special Needs Plans
ACA Marketplace
Dental
STM (Short Term Medical)
ACA/Marketplace
At our insurance agency, we make navigating the Affordable Care Act (ACA) Marketplace simple and stress-free. Our experienced agents take the time to understand your healthcare needs, budget, and eligibility for financial assistance to help you find the right coverage. We explain plan options in clear, easy-to-understand terms, compare benefits and costs, and guide you through the enrollment process from start to finish. Whether you're enrolling for the first time, renewing coverage, or experiencing a qualifying life event, we're here to provide personalized support and ensure you have confidence in your healthcare decisions.
Dental
Choosing the right dental insurance plan can be confusing, but our agency is here to help every step of the way. We take the time to understand your dental care needs, budget, and preferred providers to help you find a plan that offers the best value and coverage. From preventive care and routine cleanings to major services like crowns, root canals, and dentures, we explain the benefits, limitations, and costs of each option so you can make an informed decision. Our goal is to simplify the process, answer your questions, and help you secure dental coverage that protects both your oral health and your finances.
Short Term Medical (STM)
When you're between jobs, waiting for employer benefits to begin, or need temporary health coverage, our insurance agency can help you navigate short-term medical insurance options with confidence. We work closely with you to understand your situation and compare available plans based on coverage, deductibles, provider networks, and budget. Our team explains the benefits and limitations of short-term medical plans in clear, straightforward terms, helping you avoid unexpected gaps in coverage. Whether you need protection for a few months or are looking for an affordable alternative while transitioning to long-term coverage, we're here to guide you toward the solution that best fits your needs.
Request More Information
Submit the form to initiate a confidential discussion regarding your specific coverage objectives with a Licensed Insurance Agent at Helms Dougherty Insurance Agency
