Frequently Asked Questions
184 questions answered
What is a Medicare Supplement plan?
A Medicare Supplement (Medigap) plan is private insurance that helps pay for costs not covered by Original Medicare, including copayments, coinsurance, and deductibles. These standardized plans are offered by private insurers and labeled by letters (A through N).
When is the best time to enroll in Medicare Supplement?
The best time is during your Medigap Open Enrollment Period — the 6-month window starting the month you turn 65 and are enrolled in Medicare Part B. During this time, insurers cannot deny you coverage or charge more for pre-existing conditions.
How much does life insurance cost?
Life insurance costs vary based on your age, health, coverage amount, and policy type. A healthy 30-year-old might pay as little as $20-30/month for a $500,000 term policy. Michael Aman can compare rates from multiple carriers to find you the best price.
Do I need life insurance if I'm single?
Even if you're single, life insurance can cover outstanding debts, funeral expenses, and provide for anyone who depends on you financially. It's also easier and cheaper to get coverage when you're young and healthy.
What happens if I miss open enrollment?
If you miss the open enrollment period, you generally cannot enroll in or change your health insurance plan until the next enrollment period, unless you experience a qualifying life event such as marriage, having a baby, or losing other coverage.
Is there a cost for working with Michael Aman?
No! Michael Aman's services are completely free to you. As an independent insurance agent, Michael is compensated by the insurance carriers — there is no additional cost or markup when you work with him.
What types of insurance does Michael Aman offer?
Michael Aman offers a comprehensive range of insurance products including Medicare Supplement plans, Medicare Advantage, health insurance, life insurance, dental and vision insurance, and supplemental coverage. As an independent agent with USA Benefits Group, he can compare options from multiple carriers.
What areas does Michael Aman serve?
Michael Aman is a licensed insurance agent who can serve clients in multiple states. Contact him directly to confirm availability in your area and to discuss your insurance needs.
What does Medicare Supplement insurance cover? [medicare-supplement]
Medicare Supplement (Medigap) plans help cover out-of-pocket costs from Original Medicare, including Part A and Part B copayments, coinsurance, deductibles, and even foreign travel emergency care depending on the plan.
Can I switch Medigap plans after enrollment? [medicare-supplement]
Yes, but outside your Medigap Open Enrollment Period, insurance companies can use medical underwriting. This means they may charge more or deny coverage based on health conditions. It's important to choose wisely during your initial enrollment.
How much do Medicare Supplement plans cost? [medicare-supplement]
Premiums vary by plan type, location, age, and carrier. Plan G typically costs $100–$300/month. Plan N is often $50–$200/month. Michael Aman compares rates across carriers to find the best price for your situation.
Do Medicare Supplement plans cover prescriptions? [medicare-supplement]
No, Medigap plans do not cover prescription drugs. You'll need a separate Medicare Part D plan for prescription coverage. Michael can help you choose both a Medigap plan and a Part D plan that work together.
What is the difference between Medicare Supplement and Medicare Advantage? [medicare-supplement]
Medicare Supplement works with Original Medicare and covers out-of-pocket costs. Medicare Advantage replaces Original Medicare with a bundled plan that may include extra benefits but often has network restrictions and prior authorization requirements.
How much life insurance do I need? [life-insurance]
A common guideline is 10–15 times your annual income, but the right amount depends on your debts, dependents, future education costs, and desired standard of living for your family. Michael can help calculate your ideal coverage amount.
What is the difference between term and whole life insurance? [life-insurance]
Term life covers a set period (10–30 years) and is the most affordable option. Whole life provides permanent coverage with a cash value component that grows over time. Term is ideal for temporary needs; whole life serves as both protection and savings.
Can I get life insurance with a pre-existing condition? [life-insurance]
Yes, many carriers offer coverage for people with pre-existing conditions, though premiums may be higher. Some policies like guaranteed issue life insurance require no medical exam. Michael shops multiple carriers to find options for your situation.
At what age should I buy life insurance? [life-insurance]
The younger and healthier you are, the lower your premiums will be. Many financial advisors recommend purchasing life insurance in your 20s or 30s. However, it's never too late — options exist for every age group.
Does life insurance have a cash value? [life-insurance]
Whole life and universal life insurance policies build cash value over time that you can borrow against or withdraw. Term life insurance does not have a cash value component but offers the most affordable premiums for pure death benefit protection.
What types of health insurance plans are available? [health-insurance]
Common plan types include HMO (Health Maintenance Organization), PPO (Preferred Provider Organization), EPO (Exclusive Provider Organization), and POS (Point of Service). Each varies in network flexibility, cost, and referral requirements.
What is a health insurance deductible? [health-insurance]
A deductible is the amount you pay for covered health services before your insurance starts paying. For example, with a $2,000 deductible, you pay the first $2,000 of services. Lower deductibles usually mean higher monthly premiums.
Can I get health insurance outside open enrollment? [health-insurance]
You can enroll outside the annual Open Enrollment Period if you experience a qualifying life event such as marriage, birth/adoption, job loss, or moving. This triggers a Special Enrollment Period typically lasting 60 days.
What is the difference between an HMO and PPO? [health-insurance]
HMOs require you to choose a primary care physician and get referrals for specialists, but have lower costs. PPOs offer more flexibility to see any provider without referrals but typically have higher premiums and out-of-pocket costs.
Do I qualify for health insurance subsidies? [health-insurance]
Subsidies (premium tax credits) are based on your household income and size. If your income is between 100%–400% of the federal poverty level, you likely qualify for reduced premiums through the Health Insurance Marketplace.
What does dental insurance typically cover? [supplemental-coverage]
Most dental plans cover preventive care (cleanings, exams, X-rays) at 100%, basic procedures (fillings, extractions) at 70–80%, and major procedures (crowns, bridges) at 50%. Many plans have annual maximums of $1,000–$2,000.
Is supplemental insurance worth it? [supplemental-coverage]
Supplemental insurance fills gaps in your primary coverage. If a health event occurs, supplemental plans like accident, critical illness, or hospital indemnity pay cash benefits directly to you, helping cover expenses your primary insurance doesn't.
What is hospital indemnity insurance? [supplemental-coverage]
Hospital indemnity insurance pays a fixed cash benefit for each day you're hospitalized, regardless of your other insurance. These payments can help cover deductibles, lost wages, and other expenses during a hospital stay.
Do I need vision insurance? [supplemental-coverage]
If you wear glasses or contacts, vision insurance can save you hundreds annually on exams, frames, and lenses. Many plans cover annual eye exams and provide allowances for corrective lenses or contacts.
Can I bundle dental and vision insurance? [supplemental-coverage]
Yes, many carriers offer bundled dental and vision plans at a discount compared to purchasing them separately. Michael can help you compare bundled options from multiple carriers to find the best value.
What does Medicare Supplement Plan A cover? [medicare-plan-a]
Plan A covers the core Medigap benefits: Part A hospital coinsurance (days 61–90), 365 additional lifetime hospital days, Part B coinsurance or copayment, first 3 pints of blood, and Part A hospice care coinsurance. It does not cover the Part A deductible, skilled nursing, or foreign travel.
Is Plan A the cheapest Medicare Supplement plan? [medicare-plan-a]
Yes, Plan A typically has the lowest premiums of any Medigap plan because it provides only the basic required benefits. Premiums generally range from $50–$150/month depending on your location, age, and carrier.
Who should consider Medicare Supplement Plan A? [medicare-plan-a]
Plan A is best for healthy beneficiaries who want basic gap coverage at the lowest premium. If you rarely use healthcare services and want protection against major hospital costs, Plan A provides essential coverage without the extras.
Does Plan A cover skilled nursing facility care? [medicare-plan-a]
No, Plan A does not cover skilled nursing facility coinsurance. If you need coverage for skilled nursing care after a hospital stay, consider Plan D, G, or N, which include this benefit.
What does Medicare Supplement Plan B cover? [medicare-plan-b]
Plan B covers everything in Plan A plus the Medicare Part A deductible. This deductible applies to each benefit period when admitted to the hospital. In 2024, the Part A deductible is $1,632 per benefit period.
How is Plan B different from Plan A? [medicare-plan-b]
The only difference between Plan B and Plan A is that Plan B also covers the Medicare Part A deductible. This gives you protection against hospital admission costs, making Plan B a good step up for those who want hospital deductible coverage.
Is Plan B worth the extra cost over Plan A? [medicare-plan-b]
If you anticipate hospital stays, Plan B's coverage of the Part A deductible ($1,632 per benefit period in 2024) can save you significantly. The premium difference between Plans A and B is usually modest, making Plan B good value for the added protection.
Does Plan B cover foreign travel emergencies? [medicare-plan-b]
No, Plan B does not include foreign travel emergency coverage. If you travel internationally, consider Plan D, G, M, or N, which include 80% coverage for foreign travel emergency care.
Is Medicare Supplement Plan C still available? [medicare-plan-c]
Plan C is only available to those who became Medicare-eligible before January 1, 2020. The MACRA legislation eliminated Plan C (and Plan F) for new Medicare beneficiaries. If you were eligible before 2020, you can still purchase Plan C.
What makes Plan C unique compared to other plans? [medicare-plan-c]
Plan C is unique because it covers the Medicare Part B deductible, which most other plans (including Plan G) do not. Combined with its other comprehensive benefits, Plan C leaves you with virtually zero out-of-pocket costs for covered services.
Should I choose Plan C or Plan G? [medicare-plan-c]
If you're eligible for Plan C (pre-2020 Medicare), the choice depends on cost. Plan C covers the Part B deductible but usually has higher premiums. For most people, the premium savings of Plan G outweigh the annual Part B deductible, making Plan G the better value.
Does Plan C cover Part B excess charges? [medicare-plan-c]
No, Plan C does not cover Part B excess charges. If a doctor charges more than the Medicare-approved amount, you would pay the difference. Plan F and Plan G are the only plans that cover excess charges.
What does Medicare Supplement Plan D cover? [medicare-plan-d]
Plan D covers Part A hospital coinsurance, 365 lifetime hospital days, Part B coinsurance, blood, hospice care, Part A deductible, skilled nursing facility coinsurance, and foreign travel emergency (80%). It does not cover the Part B deductible or excess charges.
How does Plan D compare to Plan G? [medicare-plan-d]
Plan D and Plan G are similar, but Plan G also covers Part B excess charges, which Plan D does not. Plan G premiums are typically higher than Plan D. If excess charges are not a concern in your area, Plan D can be a cost-effective alternative.
Does Plan D cover foreign travel? [medicare-plan-d]
Yes, Plan D covers 80% of emergency care costs during foreign travel, up to plan limits. This is an important benefit for Medicare beneficiaries who travel internationally.
Is Plan D widely available? [medicare-plan-d]
Plan D is available in most states, though it's less commonly chosen than Plans G and N. Not all carriers offer Plan D, so availability may vary by location. Michael can check which carriers offer Plan D in your area.
Why is Plan F no longer available to new enrollees? [medicare-plan-f]
The Medicare Access and CHIP Reauthorization Act (MACRA) of 2015 prohibited Medigap plans that cover the Part B deductible from being sold to newly eligible Medicare beneficiaries after January 1, 2020. This affected both Plan C and Plan F.
Is Plan F better than Plan G? [medicare-plan-f]
Plan F covers everything Plan G covers, plus the Part B deductible. However, Plan F premiums are typically $30–$60/month higher than Plan G. Since the Part B deductible is only $240/year (2024), most people save money overall with Plan G.
Should I switch from Plan F to Plan G? [medicare-plan-f]
Many people on Plan F can save money by switching to Plan G. The annual Part B deductible is usually much less than the premium difference. However, switching may require medical underwriting. Consult Michael to evaluate your specific situation.
What does Plan F cover that Plan G doesn't? [medicare-plan-f]
The only difference is that Plan F covers the annual Medicare Part B deductible ($240 in 2024). Everything else — hospital costs, skilled nursing, excess charges, foreign travel emergency — is identical between Plans F and G.
Why is Plan G the most popular Medicare Supplement plan? [medicare-plan-g]
Plan G offers the most comprehensive coverage available to new Medicare beneficiaries. It covers nearly every out-of-pocket cost except the annual Part B deductible ($240 in 2024). The premium savings compared to the now-legacy Plan F make it the best overall value.
What is the only thing Plan G doesn't cover? [medicare-plan-g]
Plan G covers everything except the annual Medicare Part B deductible, which is $240 in 2024. This means your only out-of-pocket cost with Plan G is this one annual deductible — everything else is covered.
How much does Plan G cost per month? [medicare-plan-g]
Plan G premiums typically range from $100–$300/month depending on your age, location, gender, and tobacco use. Rates vary significantly by carrier, which is why comparing quotes from multiple companies through an independent agent like Michael is important.
Does Plan G cover Part B excess charges? [medicare-plan-g]
Yes, Plan G covers 100% of Part B excess charges. Excess charges occur when a doctor charges up to 15% more than the Medicare-approved amount. With Plan G, you're fully protected from these additional costs.
Can I see any doctor with Plan G? [medicare-plan-g]
Yes, Plan G works with any doctor, specialist, or hospital that accepts Medicare anywhere in the United States. There are no network restrictions, no referral requirements, and no prior authorization needed.
How does Plan K's cost-sharing work? [medicare-plan-k]
Plan K covers 50% of most Medigap benefits (Part B coinsurance, blood, hospice, Part A deductible, skilled nursing) while covering 100% of Part A hospital coinsurance and lifetime reserve days. You also get an annual out-of-pocket limit for financial protection.
What is Plan K's out-of-pocket limit? [medicare-plan-k]
Plan K has an annual out-of-pocket limit (approximately $7,060 in 2024). Once you reach this limit through cost-sharing payments, the plan pays 100% of all covered services for the rest of the calendar year.
Is Plan K a good choice for healthy people? [medicare-plan-k]
Plan K can be excellent for healthy beneficiaries who rarely use healthcare services. The significantly lower premiums mean savings if you don't need much medical care, and the out-of-pocket limit protects you if something unexpected happens.
How does Plan K compare to Plan L? [medicare-plan-k]
Plan K covers 50% of most benefits while Plan L covers 75%. Plan L has higher premiums but lower out-of-pocket costs when you use services. Plan K has the lowest premiums but higher cost-sharing. Both have annual out-of-pocket limits.
What does Medicare Supplement Plan L cover? [medicare-plan-l]
Plan L covers 75% of most Medigap benefits including Part B coinsurance, blood, hospice, Part A deductible, and skilled nursing facility care. It covers 100% of Part A hospital coinsurance and lifetime reserve days, with an annual out-of-pocket limit.
What is Plan L's out-of-pocket maximum? [medicare-plan-l]
Plan L has an annual out-of-pocket limit (approximately $3,530 in 2024). This is lower than Plan K's limit because Plan L covers a higher percentage of costs (75% vs 50%). Once reached, the plan covers 100% for the rest of the year.
Who should consider Plan L over Plan K? [medicare-plan-l]
Plan L is better for people who want more cost-sharing protection than Plan K but still want lower premiums than Plans G or N. If you use moderate healthcare services, Plan L's 75% coverage and lower out-of-pocket limit may be more predictable.
Does Plan L cover foreign travel emergency? [medicare-plan-l]
No, Plan L does not cover foreign travel emergency care. If international travel coverage is important to you, consider Plans D, G, M, or N instead.
What makes Plan M different from Plan D? [medicare-plan-m]
Plan M covers the same benefits as Plan D but only pays 50% of the Medicare Part A deductible instead of the full amount. This results in lower premiums while still including important benefits like skilled nursing and foreign travel emergency coverage.
How much can I save with Plan M vs Plan D? [medicare-plan-m]
Plan M premiums are typically lower than Plan D because of the 50% Part A deductible cost-sharing. The savings depend on your carrier and location. If you rarely have hospital admissions, the premium savings can add up significantly over time.
Is Plan M widely available? [medicare-plan-m]
Plan M is less commonly offered than Plans G and N. Not all insurance carriers sell Plan M in every state. Michael can check which carriers offer Plan M in your area and compare rates.
Does Plan M cover foreign travel? [medicare-plan-m]
Yes, Plan M covers 80% of emergency care costs during foreign travel, up to plan limits. This makes it a good option for beneficiaries who travel internationally and want travel protection at a moderate premium.
Why is Plan N the second most popular Medigap plan? [medicare-plan-n]
Plan N offers an excellent balance of comprehensive coverage and affordability. It covers most of the same benefits as Plan G but with lower premiums. The trade-off is small copays — up to $20 for some office visits and up to $50 for ER visits without admission.
What copays does Plan N require? [medicare-plan-n]
Plan N may require a copay of up to $20 for some doctor office visits and up to $50 for emergency room visits that do not result in inpatient hospital admission. Many doctors waive the copay, and the premium savings usually far exceed these occasional costs.
How much cheaper is Plan N than Plan G? [medicare-plan-n]
Plan N premiums are typically 20–30% lower than Plan G. For example, if Plan G costs $200/month, Plan N might be $140–$160/month. Over a year, that's $480–$720 in savings, which usually far exceeds any copays you might pay.
Does Plan N cover Part B excess charges? [medicare-plan-n]
No, Plan N does not cover Medicare Part B excess charges. However, most doctors accept Medicare assignment (the approved amount), so excess charges are uncommon. In states that limit excess charges, this is rarely an issue.
Should I choose Plan G or Plan N? [medicare-plan-n]
If you want the absolute most coverage and don't mind higher premiums, choose Plan G. If you're in good health, rarely visit the ER, and want to save on premiums, Plan N is often the smarter financial choice. Michael can compare both options with your specific rates.
Does Michael Aman serve Columbus, Ohio? [location-columbus-ohio]
Yes, Michael Aman is a licensed insurance agent serving Columbus and all of Central Ohio. He offers Medicare Supplement plans, health insurance, life insurance, and supplemental coverage to Columbus residents at no additional cost.
What insurance plans are available in Columbus? [location-columbus-ohio]
Columbus residents have access to Medicare Supplement plans (A through N), individual and family health insurance (HMO, PPO, EPO), term and whole life insurance, and supplemental coverage including dental, vision, hospital indemnity, accident, and critical illness insurance.
Which hospitals accept Medicare Supplement plans in Columbus? [location-columbus-ohio]
All hospitals in the Columbus area that accept Medicare will work with your Medicare Supplement plan, including OhioHealth Riverside Methodist, Grant Medical Center, Mount Carmel, and Nationwide Children's Hospital. Medigap plans have no network restrictions.
How can I get a free insurance quote in Columbus? [location-columbus-ohio]
Schedule a free consultation with Michael Aman online through Calendly. He compares rates from multiple top-rated carriers to find Columbus residents the best coverage at the best price.
Does Michael Aman serve Dublin, Ohio? [location-dublin-ohio]
Yes, Michael Aman serves Dublin and the surrounding area. He helps Dublin residents compare Medicare Supplement plans, health insurance, life insurance, and supplemental coverage from multiple carriers at no cost.
What Medicare plans are popular with Dublin seniors? [location-dublin-ohio]
Plan G and Plan N are the most popular Medicare Supplement choices for Dublin seniors. Plan G offers the most comprehensive coverage, while Plan N provides strong coverage at lower premiums. Michael can compare rates from carriers serving Dublin.
Are there local insurance options for Dublin families? [location-dublin-ohio]
Dublin families can choose from a wide range of health insurance plans including HMO, PPO, and EPO options, plus dental, vision, and supplemental coverage. Michael helps families find comprehensive yet affordable coverage.
How do I schedule a consultation in Dublin? [location-dublin-ohio]
Schedule a free consultation with Michael Aman through his online calendar. As an independent agent, he serves Dublin residents in person or virtually at no additional cost to you.
Does Michael Aman serve Westerville, Ohio? [location-westerville-ohio]
Yes, Michael serves Westerville and the surrounding communities. He provides expert guidance on Medicare Supplement plans, health insurance, life insurance, and supplemental coverage for Westerville residents.
What Medicare options are available in Westerville? [location-westerville-ohio]
Westerville residents can enroll in any of the standardized Medicare Supplement plans (A through N) from multiple carriers. Plan G and Plan N are the most popular choices. Michael compares rates to find the best value.
Can I get health insurance in Westerville outside open enrollment? [location-westerville-ohio]
You may qualify for a Special Enrollment Period if you experience a qualifying life event such as moving to Westerville, marriage, birth/adoption, or job loss. Michael can help determine your eligibility.
Is there a cost for Michael's services in Westerville? [location-westerville-ohio]
No, Michael Aman's insurance guidance is completely free. He is compensated by the insurance carriers, so there is no additional cost or markup when you work with him in Westerville or anywhere in Central Ohio.
Does Michael Aman serve Hilliard, Ohio? [location-hilliard-ohio]
Yes, Michael Aman provides insurance services to Hilliard residents. He helps individuals and families find Medicare Supplement plans, health insurance, life insurance, and supplemental coverage from top-rated carriers.
What insurance do Hilliard families need most? [location-hilliard-ohio]
Hilliard's growing family population often needs health insurance, life insurance, and dental/vision coverage. Michael helps Hilliard families compare plans across carriers to find affordable, comprehensive coverage.
Are Medicare Supplement plans available in Hilliard? [location-hilliard-ohio]
Yes, all standardized Medicare Supplement plans are available to Hilliard residents from multiple carriers. Plans work with any Medicare-accepting provider, giving Hilliard seniors full flexibility in choosing doctors and hospitals.
Does Michael Aman serve Grove City, Ohio? [location-grove-city-ohio]
Yes, Michael serves Grove City and south Columbus suburbs. He provides free insurance guidance on Medicare Supplement plans, health insurance, life insurance, and supplemental coverage.
What affordable insurance options exist in Grove City? [location-grove-city-ohio]
Grove City residents can find affordable coverage through Medicare Supplement Plan N (lower premiums), marketplace health plans with subsidies, and competitive term life insurance. Michael compares options to find the best value.
Which hospitals near Grove City accept Medigap? [location-grove-city-ohio]
All Medicare-accepting hospitals near Grove City work with Medigap plans, including Mount Carmel Grove City, OhioHealth Grant Medical Center, and other area facilities. No network restrictions apply.
Does Michael Aman serve Reynoldsburg? [location-reynoldsburg-ohio]
Yes, Michael provides insurance services to Reynoldsburg residents, helping them compare Medicare Supplement, health, life, and supplemental insurance options from multiple carriers.
What insurance options are available in Reynoldsburg? [location-reynoldsburg-ohio]
Reynoldsburg residents have access to all Medicare Supplement plans, individual and family health insurance, life insurance, dental, vision, hospital indemnity, accident, and critical illness coverage.
Does Michael Aman serve Gahanna, Ohio? [location-gahanna-ohio]
Yes, Michael Aman serves Gahanna and northeast Columbus. He offers free insurance guidance on Medicare Supplement plans, health insurance, life insurance, and supplemental coverage.
What Medicare plans do Gahanna seniors prefer? [location-gahanna-ohio]
Gahanna seniors commonly choose Plan G for maximum coverage or Plan N for lower premiums with small copays. Michael compares rates from carriers active in the Gahanna area.
Does Michael Aman serve Upper Arlington? [location-upper-arlington-ohio]
Yes, Michael Aman provides insurance services to Upper Arlington residents. With its significant senior population, UA has strong demand for Medicare Supplement guidance alongside family coverage needs.
Why is Medicare guidance important in Upper Arlington? [location-upper-arlington-ohio]
Upper Arlington has a higher median age than many Columbus suburbs, meaning more residents are entering Medicare eligibility. Michael helps UA residents navigate the Medigap Open Enrollment Period and choose the right plan.
Does Michael Aman serve Worthington? [location-worthington-ohio]
Yes, Michael serves Worthington and north Columbus communities. He provides expert Medicare Supplement, health, life, and supplemental insurance guidance at no cost.
What insurance do Worthington retirees need? [location-worthington-ohio]
Worthington retirees typically benefit from Medicare Supplement Plan G or Plan N, a standalone Part D prescription plan, and often dental/vision coverage. Michael can help create a comprehensive coverage strategy.
Does Michael Aman serve Powell, Ohio? [location-powell-ohio]
Yes, Michael Aman provides insurance services to Powell and Delaware County residents. He helps families and individuals compare coverage options from multiple top-rated carriers.
What insurance plans do Powell families need? [location-powell-ohio]
Powell families often need comprehensive health insurance, life insurance with higher coverage amounts, dental and vision for children, and occasionally supplemental accident coverage for active families.
Does Michael Aman serve Pickerington? [location-pickerington-ohio]
Yes, Michael serves Pickerington and southeast Columbus suburbs. He offers free insurance comparisons on Medicare Supplement, health, life, and supplemental coverage.
Are Medicare Supplement plans available in Pickerington? [location-pickerington-ohio]
Yes, all standardized Medigap plans are available in Pickerington from multiple carriers. Michael compares rates to find Pickerington seniors the best coverage at competitive premiums.
Does Michael Aman serve New Albany? [location-new-albany-ohio]
Yes, Michael provides insurance guidance to New Albany residents. He serves this premier community with Medicare Supplement, health, life, and supplemental insurance at no additional cost.
What insurance coverage suits New Albany residents? [location-new-albany-ohio]
New Albany residents often seek comprehensive life insurance, premium Medicare Supplement plans (Plan G), and supplemental coverage. Michael can tailor recommendations to high-net-worth family needs.
Does Michael Aman serve Delaware, Ohio? [location-delaware-ohio]
Yes, Michael serves the city of Delaware and Delaware County. He helps residents compare Medicare Supplement, health, life, and supplemental insurance options from multiple carriers.
What insurance options exist in Delaware, Ohio? [location-delaware-ohio]
Delaware residents have access to all standardized Medicare Supplement plans, marketplace health insurance with potential subsidies, term and whole life insurance, and supplemental dental, vision, and hospital coverage.
Does Michael Aman serve Lancaster, Ohio? [location-lancaster-ohio]
Yes, Michael serves Lancaster and Fairfield County. He provides free insurance guidance on Medicare Supplement, health, life, and supplemental coverage to Lancaster residents.
Which Medicare plans are popular in Lancaster? [location-lancaster-ohio]
Lancaster seniors commonly choose Plan G for comprehensive coverage or Plan N for budget-friendly premiums. Michael compares rates from carriers serving the Fairfield County area.
Does Michael Aman serve Newark, Ohio? [location-newark-ohio]
Yes, Michael provides insurance services to Newark and Licking County residents. He offers free guidance on Medicare Supplement plans, health insurance, life insurance, and supplemental coverage.
What insurance does Newark, Ohio need? [location-newark-ohio]
Newark residents benefit from Medicare Supplement plans, affordable health coverage, life insurance, and supplemental dental/vision coverage. Michael compares options from multiple carriers.
Does Michael Aman serve Marysville, Ohio? [location-marysville-ohio]
Yes, Michael serves Marysville and Union County. He helps residents compare insurance options from multiple carriers, including Medicare Supplement, health, life, and supplemental plans.
What insurance do Marysville workers need? [location-marysville-ohio]
Marysville workers, including Honda manufacturing employees, often need supplemental health coverage, life insurance, and dental/vision plans. Retiring workers need Medicare Supplement guidance.
Does Michael Aman serve Circleville, Ohio? [location-circleville-ohio]
Yes, Michael provides insurance services to Circleville and Pickaway County. He offers free guidance on Medicare Supplement, health, life, and supplemental coverage.
What insurance is available in Circleville? [location-circleville-ohio]
Circleville residents have access to all Medicare Supplement plans, individual health insurance, life insurance, and supplemental coverage including dental, vision, and hospital indemnity plans.
What is USA Eagle Benefits? [usa-eagle-benefits]
USA Eagle Benefits is your gateway to comprehensive insurance solutions powered by USA Benefits Group — a nationwide network of independent health and life insurance professionals serving Americans since 1988. Through USA Eagle Benefits, you get access to 25+ top-rated carriers and 150+ insurance products.
Who is the insurance agent behind USA Eagle Benefits? [usa-eagle-benefits]
Michael Aman is the licensed independent insurance agent behind USA Eagle Benefits. He is affiliated with USA Benefits Group and serves Columbus, Ohio and 17+ surrounding communities. Michael provides free, unbiased insurance guidance with no cost to you.
Is there a cost to use USA Eagle Benefits? [usa-eagle-benefits]
No! USA Eagle Benefits services are completely free to you. Michael Aman is compensated by the insurance carriers, not by you. There are no fees, markups, or hidden charges when you work with USA Eagle Benefits for plan comparisons and enrollment.
What insurance products does USA Eagle Benefits offer? [usa-eagle-benefits]
USA Eagle Benefits offers Medicare Supplement plans (A through N), individual and family health insurance, term and whole life insurance, dental, vision, hospital indemnity, accident insurance, critical illness coverage, annuities, and Rx drug plans — over 150 products from 25+ carriers.
What areas does USA Eagle Benefits serve? [usa-eagle-benefits]
USA Eagle Benefits serves Columbus, Ohio and all of Central Ohio including Dublin, Westerville, Hilliard, Grove City, Reynoldsburg, Gahanna, Upper Arlington, Worthington, Powell, Pickerington, New Albany, Delaware, Lancaster, Newark, Marysville, and Circleville.
What is an HMO health insurance plan? [health-plan-hmo]
An HMO (Health Maintenance Organization) is a health plan that requires you to choose a Primary Care Physician (PCP) and get referrals for specialist care. HMOs offer lower premiums and predictable costs but require staying in-network for coverage.
Do HMO plans require referrals to see a specialist? [health-plan-hmo]
Yes, HMO plans require a referral from your Primary Care Physician before you can see a specialist. Your PCP coordinates your care and determines when specialist treatment is necessary.
Can I see an out-of-network doctor with an HMO? [health-plan-hmo]
Generally no. HMO plans only cover care from in-network providers, except in true medical emergencies. If you see an out-of-network provider without emergency circumstances, you'll typically pay the full cost.
Are HMO plans cheaper than PPO plans? [health-plan-hmo]
Yes, HMO plans typically have the lowest premiums among health plan types. They achieve lower costs through coordinated care and limited network usage. The trade-off is less flexibility in provider choice.
What does an HMO plan typically cover? [health-plan-hmo]
HMO plans cover preventive care (usually at 100%), doctor visits, hospital stays, prescription drugs, mental health services, and more. Copays are typically fixed and predictable. Preventive services like annual checkups and screenings are covered before the deductible.
What is a PPO health insurance plan? [health-plan-ppo]
A PPO (Preferred Provider Organization) is a health plan that offers the most flexibility in choosing healthcare providers. You can see any doctor or specialist without a referral, and you have coverage for both in-network and out-of-network care.
Do PPO plans require referrals? [health-plan-ppo]
No, PPO plans do not require referrals to see specialists. You can schedule directly with any specialist or provider, whether in-network or out-of-network, without needing approval from a primary care physician.
Does a PPO plan cover out-of-network doctors? [health-plan-ppo]
Yes, PPO plans provide coverage for out-of-network providers, though at a higher cost-sharing rate. You'll pay less when using in-network providers but still have the flexibility to see any doctor.
Why are PPO plans more expensive than HMO plans? [health-plan-ppo]
PPO plans cost more because they offer greater flexibility — no referrals, larger networks, and out-of-network coverage. This freedom of choice comes with higher premiums, deductibles, and out-of-pocket costs compared to HMOs.
Is a PPO plan good for frequent travelers? [health-plan-ppo]
Yes, PPO plans are excellent for frequent travelers because they typically have larger networks and provide out-of-network coverage. You can receive care anywhere without worrying about being outside your plan's service area.
What is an EPO health insurance plan? [health-plan-epo]
An EPO (Exclusive Provider Organization) is a health plan that combines features of HMO and PPO plans. Like a PPO, you don't need referrals for specialists. Like an HMO, you must stay in-network except for emergencies. EPOs offer a balance of flexibility and affordability.
Do EPO plans require referrals? [health-plan-epo]
No, EPO plans do not require referrals to see specialists. You can schedule directly with any in-network specialist without needing prior approval from a primary care physician.
Does an EPO plan cover out-of-network care? [health-plan-epo]
No, EPO plans do not cover out-of-network care except in true medical emergencies. All routine care must be received from in-network providers. This is the key trade-off for lower premiums compared to PPO plans.
How is an EPO different from an HMO? [health-plan-epo]
The main difference is that EPO plans don't require referrals for specialists, while HMO plans do. Both require in-network care, but EPOs offer more flexibility in accessing specialists directly without going through a primary care physician first.
Are EPO plans a good middle ground between HMO and PPO? [health-plan-epo]
Yes, EPO plans offer a compelling middle ground. You get the convenience of no referrals (like a PPO) with lower premiums than PPO plans. The trade-off is no out-of-network coverage (like an HMO). They're ideal for those who want specialist access without the higher PPO costs.
What is an HDHP (High-Deductible Health Plan)? [health-plan-hdhp]
An HDHP is a health plan with lower monthly premiums and a higher annual deductible than traditional plans. For 2024, the IRS defines an HDHP as having a minimum deductible of $1,650 for individuals or $3,300 for families. The key benefit is eligibility for a Health Savings Account (HSA).
What is an HSA and how does it work with an HDHP? [health-plan-hdhp]
A Health Savings Account (HSA) is a tax-advantaged savings account available only with HDHP plans. Contributions are tax-deductible, earnings grow tax-free, and withdrawals for qualified medical expenses are tax-free — a triple tax advantage. Funds roll over year to year and can be invested.
Are HDHP plans good for healthy people? [health-plan-hdhp]
Yes, HDHPs are particularly beneficial for generally healthy individuals who don't expect significant medical expenses. The lower premiums save money monthly, and the HSA allows you to build tax-advantaged savings for future healthcare needs or even retirement.
Does an HDHP cover preventive care? [health-plan-hdhp]
Yes, under ACA rules, HDHP plans must cover preventive care services at 100% before the deductible. This includes annual checkups, immunizations, screenings, and other recommended preventive services at no cost to you.
What are the 2024 HSA contribution limits? [health-plan-hdhp]
For 2024, the IRS allows HSA contributions of up to $4,150 for individual coverage and $8,300 for family coverage. Those age 55 and older can contribute an additional $1,000 catch-up contribution. Employer contributions count toward these limits.
What makes UnitedHealthcare the largest health insurer? [carrier-unitedhealthcare]
UnitedHealthcare, part of UnitedHealth Group, serves over 50 million members and has the largest provider network in the United States. They hold an A+ (Superior) AM Best rating, the highest possible, reflecting exceptional financial strength.
What types of insurance does Allstate Benefits offer? [carrier-allstate-benefits]
Allstate Benefits specializes in supplemental insurance products: accident insurance, critical illness insurance, hospital indemnity insurance, supplemental life insurance, and short-term disability. These plans complement your primary health coverage by paying cash benefits directly to you.
What is Transamerica best known for? [carrier-transamerica]
Transamerica is best known for life insurance, supplemental health products, and retirement solutions. Part of Aegon, a global financial services leader, Transamerica has over 100 years of experience helping families protect their financial futures.
Why is Mutual of Omaha known for Medicare Supplement? [carrier-mutual-of-omaha]
Mutual of Omaha is one of the top sellers of Medicare Supplement plans nationwide. Their competitive premiums, simple application process, fast underwriting, and strong financial backing (A+ AM Best) make them a favorite among independent agents and beneficiaries.
Why is Humana a top choice for Medicare? [carrier-humana]
Humana is one of the largest Medicare Advantage providers in the United States, with decades of experience serving seniors. They offer innovative Medicare benefits including SilverSneakers fitness, meal delivery, and OTC allowances that many competitors don't match.
What sets Cigna Healthcare apart from other carriers? [carrier-cigna]
Cigna Healthcare, part of The Cigna Group, serves over 180 million customer relationships globally. They are known for their focus on whole-person health, preventive care, and one of the largest dental networks in the nation.
How does Aetna's CVS Health connection benefit members? [carrier-aetna]
Aetna, now part of CVS Health, gives members unique access to CVS MinuteClinic locations, CVS pharmacies, and HealthHUB centers for convenient, affordable care. Members can get vaccinations, health screenings, and minor treatments at thousands of CVS locations nationwide.
What Medicare Supplement plans does Anthem offer in Ohio? [carrier-anthem]
Anthem Blue Cross Blue Shield offers a full range of Medicare Supplement (Medigap) plans in Ohio, including the popular Plan G and Plan N. As an independent agent, Michael Aman can compare Anthem's Medigap rates with options from other carriers to find you the best premium.
What insurance products does Aetna offer? [carrier-aetna]
Aetna offers Medicare Supplement, Medicare Advantage, individual and family health plans, dental (PPO and DHMO), vision, student health insurance, and international health coverage. Their dental plans are among the most popular in the industry.
Does Anthem have a large provider network in Ohio? [carrier-anthem]
Yes, Anthem has one of the largest provider networks in Ohio and nationwide. Their Blue Cross Blue Shield network gives you access to over 1.7 million healthcare professionals and 6,000+ hospitals across the country through the BlueCard program.
Does Cigna offer Medicare Supplement plans? [carrier-cigna]
Yes, Cigna offers Medicare Supplement (Medigap) plans in select markets. Their plans feature competitive premiums and access to Cigna's broad provider network. Michael Aman can check Cigna Medigap availability and rates in your area.
What Medicare Supplement plans does Humana offer? [carrier-humana]
Humana offers Medicare Supplement Plans G, N, and other lettered plans in Ohio. Their Medigap premiums are competitive, especially for Plan N. Michael Aman can compare Humana's rates with other carriers to find you the best price.
Is Mutual of Omaha a mutual company? [carrier-mutual-of-omaha]
Yes, Mutual of Omaha is a mutual company, meaning it's owned by its policyholders rather than shareholders. This structure allows them to prioritize customer interests and long-term stability over quarterly profit pressures.
What life insurance options does Transamerica offer? [carrier-transamerica]
Transamerica offers term life (10, 15, 20, 30 year), universal life, whole life, and indexed universal life insurance. Their term life rates are competitive across all age groups, and many products feature simplified underwriting.
How do Allstate Benefits supplemental plans work? [carrier-allstate-benefits]
Allstate Benefits supplemental plans pay cash benefits directly to you when a covered event occurs — like an accident, critical illness diagnosis, or hospital stay. The money is yours to use however you need: medical bills, mortgage, groceries, or childcare.
What Medicare options does UnitedHealthcare offer? [carrier-unitedhealthcare]
UnitedHealthcare offers both Medicare Supplement (Medigap) plans and Medicare Advantage plans. They are one of the largest Medicare Advantage providers in the country, with plans that often include extra benefits like dental, vision, and fitness programs.
What products does Mutual of Omaha specialize in? [carrier-mutual-of-omaha]
Mutual of Omaha specializes in Medicare Supplement plans, term and whole life insurance, final expense/burial insurance, disability income insurance, long-term care, and annuities. They have over 100 years of experience since 1909.
Does Transamerica offer supplemental health insurance? [carrier-transamerica]
Yes, Transamerica offers supplemental health products including accident insurance, critical illness insurance, hospital indemnity, and short-term disability. These plans pay cash benefits directly to you to help cover expenses your primary insurance doesn't.
Does UnitedHealthcare have good digital tools? [carrier-unitedhealthcare]
Yes, UnitedHealthcare is an industry leader in digital health tools. Their myUHC app and website allow members to find doctors, check claims, manage benefits, access virtual care, and estimate costs — all from their phone or computer.
What types of health insurance does Anthem offer? [carrier-anthem]
Anthem offers individual and family health plans (HMO, PPO, EPO), Medicare Supplement, Medicare Advantage, dental, vision, life insurance, and short-term health plans. They also provide employer-sponsored group coverage.
Does Allstate Benefits require a network? [carrier-allstate-benefits]
No, Allstate Benefits supplemental plans have no network restrictions. You can see any doctor, visit any hospital, and use any pharmacy. Benefits are paid based on covered events, not where you receive care.
How long has Aetna been in business? [carrier-aetna]
Aetna was founded in 1853, making it one of the oldest health insurance companies in America — over 170 years of continuous operation. Their long track record demonstrates stability and reliability.
How good is Cigna's dental coverage? [carrier-cigna]
Cigna has one of the largest dental networks in the country with over 97,000 dental access points. They offer both DPPO and DHMO dental plans with coverage for preventive, basic, and major dental services.
Does Humana include fitness benefits? [carrier-humana]
Yes, many Humana Medicare plans include the SilverSneakers fitness program, giving members free access to thousands of gyms and fitness centers nationwide, plus online classes and community events.
Is Anthem financially stable? [carrier-anthem]
Anthem holds an A (Excellent) rating from AM Best, indicating strong financial stability. As one of the largest health insurers in the U.S. with over 46 million members, Anthem has the resources to pay claims reliably.
How does UnitedHealthcare compare on price? [carrier-unitedhealthcare]
UnitedHealthcare's massive scale allows them to negotiate competitive rates with providers. Their Medicare Supplement premiums are competitive in Ohio, though rates vary by plan, age, and location. Michael Aman can compare UHC rates with other carriers for free.
Are Aetna's Medicare Supplement plans competitive in Ohio? [carrier-aetna]
Aetna offers competitive Medicare Supplement premiums in Ohio, particularly for Plan G and Plan N. Their CVS integration adds value that other carriers can't match. Michael Aman can compare Aetna rates alongside other options for free.
Does Cigna provide behavioral health services? [carrier-cigna]
Yes, Cigna is known for comprehensive behavioral health coverage including mental health counseling, substance abuse treatment, and 24/7 crisis support. Their EAP (Employee Assistance Program) and telehealth behavioral services are highly rated.
How does Humana handle prescriptions? [carrier-humana]
Humana has excellent pharmacy benefits including competitive Part D prescription drug plans, mail-order pharmacy services through CenterWell Pharmacy (formerly Humana Pharmacy), and a broad pharmacy network with 68,000+ retail locations.
How competitive are Mutual of Omaha's Plan G rates? [carrier-mutual-of-omaha]
Mutual of Omaha is consistently among the most competitively priced carriers for Medicare Supplement Plan G and Plan N in Ohio. Their rates, combined with household discounts and streamlined application, make them a top choice. Michael Aman can compare exact quotes.
How financially strong is Transamerica? [carrier-transamerica]
Transamerica holds an A (Excellent) AM Best rating and is backed by Aegon, one of the world's largest financial services companies. With over 100 years in business since 1904, they have a proven track record of financial stability.
How financially strong is Allstate Benefits? [carrier-allstate-benefits]
Allstate Benefits is part of The Allstate Corporation, one of America's most recognized insurance brands. They hold an A+ (Superior) AM Best rating and serve over 16 million households. Their financial stability ensures reliable claims payment.
What does it mean to be a licensed insurance agent? [licensed-agent]
A licensed insurance agent has completed state-mandated pre-licensing education, passed comprehensive examinations, undergone background checks, and been approved by the state Department of Insurance. This ensures they have the knowledge and integrity to advise clients on insurance products.
How is Michael Aman's license verified? [licensed-agent]
Michael Aman's license is verified through the National Insurance Producer Registry (NIPR), a centralized database maintained by state insurance regulators. Anyone can verify an agent's license status, lines of authority, and appointment history through NIPR.
What is the difference between an independent and captive agent? [licensed-agent]
An independent agent represents multiple insurance carriers and can shop the market for the best coverage and price. A captive agent works for a single company and can only sell that company's products. Independent agents like Michael offer unbiased recommendations.
Does working with a licensed agent cost me anything? [licensed-agent]
No, licensed independent insurance agents are compensated by the insurance carriers through commissions. There is never a fee, markup, or additional cost to you for using an agent's services. You pay the same premium whether you buy directly or through an agent.
What lines of insurance is Michael Aman licensed to sell? [licensed-agent]
Michael Aman holds active licenses for life, health, accident, and sickness insurance lines. These lines of authority allow him to sell Medicare Supplement, health insurance, life insurance, dental, vision, and supplemental coverage products.
What is USA Benefits Group? [usa-benefits-group]
USA Benefits Group (USABG) is a nationwide insurance distribution network established in 1988. USABG empowers independent insurance agents with carrier contracts, training, technology platforms, and compliance support to serve clients effectively across the United States.
How many carriers does USABG work with? [usa-benefits-group]
USABG maintains contracts with 25+ top-rated insurance carriers across all major product lines including Medicare Supplement, health, life, dental, vision, and supplemental insurance. This gives agents the ability to compare options and find the best fit for each client.
How does USABG differ from a traditional insurance company? [usa-benefits-group]
USABG is not an insurance company — it's a distribution network. Insurance companies create products, while USABG connects independent agents with multiple carriers. This model ensures agents remain independent and can offer unbiased advice from a broad marketplace.
How is Michael Aman affiliated with USABG? [usa-benefits-group]
Michael Aman operates as USA Eagle Benefits, his personal insurance brand under the USA Benefits Group umbrella. Through USABG, he has access to 25+ carrier contracts, advanced quoting technology, ongoing training, and compliance support.
Is USABG a reputable organization? [usa-benefits-group]
Yes, USABG has been operating for over 35 years since 1988. They support a nationwide network of independent agents, maintain contracts with top-rated carriers (A-rated or better by AM Best), and provide comprehensive training and compliance oversight.
What insurance services are available in Columbus, Ohio? [columbus-ohio]
Michael Aman provides comprehensive insurance services throughout Columbus including Medicare Supplement plans (A through N), individual and family health insurance, life insurance (term and whole life), dental, vision, and supplemental coverage from 25+ top-rated carriers.
How many communities does Michael serve in Central Ohio? [columbus-ohio]
Michael serves 17+ Central Ohio communities including Columbus, Dublin, Westerville, Hilliard, Grove City, Reynoldsburg, Gahanna, Upper Arlington, Worthington, Powell, Pickerington, New Albany, Delaware, Lancaster, Newark, Marysville, and Circleville.
Does Michael offer in-person consultations in Columbus? [columbus-ohio]
Yes, Michael offers both in-person consultations at his Columbus, Ohio office (5428 Coral Berry Dr, Columbus, OH 43235) and virtual/phone consultations for clients who prefer remote meetings. All consultations are free.
What hospital systems are in the Columbus area? [columbus-ohio]
Major Columbus-area hospital systems include OhioHealth (Riverside, Grant, Dublin Methodist), Mount Carmel Health System, Ohio State University Wexner Medical Center, and Nationwide Children's Hospital. Michael helps clients find plans that include their preferred providers.
Why is local insurance expertise important in Columbus? [columbus-ohio]
Insurance options, pricing, and provider networks vary significantly by location. A Columbus-based agent understands the local healthcare landscape, hospital systems, regional carrier pricing, and community-specific needs — ensuring clients get the best coverage for their area.