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Senior ProductsOFM’s Senior Division has over 15 years of experience in Medicare-related and Senior products. We specialize in Medicare Supplements, Advantage and Special needs plans. Our senior agents are all experts in Medicare and provide personalized, individual help in selecting the right plan(s) for your needs.  OFM has pioneered the offerings of special needs plans in both Kansas and Missouri. We have helped those Seniors with dual (Medicare & Medicaid) eligibility, and special health issues, find plans that will work well for them, and benefits previously not available to them. We have spoken at many Senior Facilities and meetings, and groups. Our generic presentations on Medicare and related subjects or product specific presentations can be scheduled for your organizations as well. Medicare SupplementsDesigned to pay after Medicare, Medicare supplements protect you from the high cost of deductibles and co-insurance associated with Medicare. There are up to 12 different options available, plans A-L, all designed by CMS (Center for Medicare and Medicaid Services). Learn More > Medicare Advantage PlansThese plans are provided by private companies to cover the cost of Medical and Hospital bills. Medicare contracts with these companies to provide their portion of the bill as well. The Advantage plans often have extra benefits such as dental coverage, eye care, hearing benefits. Some include Rx. Specialty Needs PlansUsually a form of Medicare Advantage plans, Special Needs Plans have been designed to provide extra benefits for people with special needs such as Dual Eligible (Medicare & Medicaid) or health issues such as Diabetes, Congestive Heart Failure, COPD, etc. These plans offer the Medicare provided benefits PLUS extras related to the special need. Learn More > Medicare Part D (Prescription Drugs)Prescription Drug coverage was added to Medicare in 2005. Finding the right prescription plan can be difficult. Let us help you find the right plan for you. Learn More > Long-Term Care (LTC)Provide protection of your assets against the high cost of Long Term Care – for your spouse, for your family. Protect your children from the loss of their income and their health while they stay home to take care of you. Look at creative ways to cover the cost of LTC. Learn More > Specialty ProductsOFM Benefits Consulting also offers a host of specialty products, created specifically for seniors, including plans to cover the cost of Medicare Advantage Hospital Deductibles, Grandparent Insurance that provides a yearly birthday gift for your grandchildren after you are gone and final expense coverage. Click the links below to learn more about each specialty product. If you would like to speak to an OFM Benefits Consulting representative about our Senior Products, click here or call 888-293-7923. To receive a quote on any of our Senior Insurance products, click here. |
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