Our Insurance Services
We specialize in three essential areas of insurance coverage to provide comprehensive protection for you and your family. Each service is designed to meet specific needs and life stages.
Medicare Supplement
Fill the gaps in Original Medicare coverage
Medicare Advantage
All-in-one alternative to Original Medicare
Final Expense
Affordable life insurance for final costs
Medicare Supplement Insurance
Medicare Supplement Insurance (Medigap) helps fill the "gaps" in Original Medicare coverage. These standardized plans help pay for costs that Medicare doesn't cover, such as copayments, coinsurance, and deductibles.
With a Medicare Supplement plan, you can see any doctor or specialist who accepts Medicare, anywhere in the United States, without referrals or network restrictions.
Medicare Supplement Benefits
Popular Medicare Supplement Plans
Most comprehensive coverage available for those eligible
Excellent coverage with lower premiums than Plan F
Good coverage with the lowest premiums
Medicare Advantage Plans
Medicare Advantage (Part C) is an all-in-one alternative to Original Medicare. These plans are offered by private insurance companies approved by Medicare and include all Medicare Part A and B benefits.
Most Medicare Advantage plans include prescription drug coverage and offer extra benefits not covered by Original Medicare, often at lower monthly costs.
Medicare Advantage Benefits
Common Extra Benefits
Gym memberships, fitness classes, and health coaching
Coverage for routine eye exams, glasses, and dental care
Built-in Part D prescription drug coverage
Final Expense Insurance
Final Expense Insurance is a type of whole life insurance designed to cover end-of-life expenses such as funeral costs, medical bills, and other final expenses. It provides peace of mind knowing your loved ones won't be financially burdened.
With simplified underwriting and guaranteed acceptance options, final expense insurance is accessible to most people, regardless of health conditions.
Final Expense Insurance Benefits
Key Features
Most applications approved within 24-48 hours with no waiting period
Cannot be cancelled as long as premiums are paid on time
Ensures your family won't be burdened with funeral and final expenses
Coverage Options
Starting at $15/month
Basic coverage for final expenses
Starting at $25/month
Standard coverage for most needs
Starting at $45/month
Comprehensive coverage and debt relief
Compare Our Insurance Services
Understanding the differences between our insurance products helps you make the best choice for your needs and budget.
| Feature | Medicare Supplement | Medicare Advantage | Final Expense |
|---|---|---|---|
| Monthly Premium | Higher | Lower/None | Very Low |
| Provider Network | Any Medicare Provider | Network Restrictions | N/A |
| Prescription Coverage | Separate Part D Needed | Usually Included | N/A |
| Extra Benefits | None | Dental, Vision, Wellness | N/A |
| Out-of-Pocket Maximum | None (Medicare limits) | Annual Maximum | N/A |
| Coverage Area | Nationwide | Service Area Only | Nationwide |
| Medical Underwriting | During Open Enrollment | None | Simplified/None |
Still not sure which option is right for you? Our experts are here to help you compare and choose.
Get personalized recommendations based on your specific needs
See side-by-side comparisons of plans and pricing
Ready to Get Started?
Don't wait until it's too late. Get the Medicare coverage you deserve with expert guidance from Octave Insurance Agency. Your peace of mind is just a phone call away.
