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Kay N.

"Miguel is knowledgeable and he will get you the best plans personalized for the best rates. He saved my husband and myself all the time and frustration of trying to navigate Medicare by ourselves, all quickly and conveniently."

Danielle W.

"Ricky did a great job helping me find insurance options all the way in South Carolina. It made the transition easier in my move and removed that extra stress. Thanks Ricky!"

Jose O.

"Mr. Moita was very serviceable and helpful for my wife and me, giving us unbiased and complete information about the Medicare Advantage plans choices for us. Very professional and courteous."

Lamont M.

"SAVED ME $7400 IN ONE VISIT!!! DON'T GO IT ALONE WITH .GOV CALL RICK!!!"

Galina P.

"Miguel Moita is being my agent for years, absolutely professional, knowledgeable and the agent you can trust. I’m so happy with the service! Highly recommended to contact him about your medical insurance needs, he will match the best care for you."

Karmen W.

"Very professional, responsive and caring when assisting you with health care options.  Timely and detailed responses."

I believe that the better educated you are about Medicare, the easier it will be for you to make the right decisions about your Medicare health insurance choices.

If you're under the age of 65 and need health insurance, there are 4 basic options available to you. I can help you determine the right choice based on your budget and needs.

On-Exchange Plans (OBAMA CARE – Affordable Care Act)

The plans are administered through the Centers for Medicare and Medicaid. Many people qualify for subsidies based on qualifying factors to help with their health care costs. This is typically the first step in finding the right plan for you and I'll guide you thru the process step by step.

Off-Exchange Plans

If you don’t qualify for a subsidy you can purchase health insurance directly from a carrier. I can help you compare plans and enroll in one that best meets your needs and budget.

Short-Term Major Medical Insurance Plans

These type plans are a great alternative for consumers looking for major medical coverage.  Short Term health insurance, sometimes called Term health insurance or Temporary health insurance, is designed to bridge gaps in your health care coverage during times of transition. These plans allow you to:

• Start your coverage fast, as soon as the next day in many cases
• Drop your coverage without penalty.
• Choose from a range of available deductible amounts.
• Apply for another term of coverage if needed.

Hospital Indemnity Insurance

Hospital indemnity insurance is a type of plan that pays a set amount – per day, per week, per month, or per visit. In addition to a hospital per diem, a more comprehensive plan might feature payments for an ambulance trip, surgery or maternity visit, or increased payments for intense ailments such as stroke or cancer. Benefits can disburse in lump sums for short admittances or on a daily or weekly basis during longer visits.

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