Products & Services
Stober Advantage is a full-service brokerage company that specializes in the Medicare market. We provide Medicare Supplements, Medicare Advantage (Part C), Indemnity Insurance, and Life Insurance.
Medicare Advantage
Medicare Advantage, often referred to as Part C, is an all-in-one alternative to Original Medicare. These “bundled” plans include Part A (Hospital Insurance) and Part B (Medical Insurance), and usually Part D (prescription drug coverage). Provided by private insurance companies approved by Medicare, these plans often include additional benefits such as vision, hearing, and dental coverage. It’s crucial to understand that these plans come with their own set of rules and costs, and vary by the services they cover and how they operate.
Available Carriers
Original Medicare + Supplements
Medicare Supplements, also known as Medigap, are insurance policies that fill in the “gaps” of Original Medicare coverage. These plans help manage out-of-pocket costs associated with medical treatments that aren’t fully covered by Original Medicare, such as copayments, coinsurance, and deductibles. Available from private insurance companies, these supplements can provide financial security and peace of mind for individuals seeking comprehensive healthcare coverage. It’s important to note, however, that Medigap does not cover prescription drugs, so many beneficiaries also enroll in a separate Part D plan for their medications.
Available Carriers
Life
Insurance
Life insurance is a contract between an individual and an insurance company, where the individual pays regular premiums in exchange for a lump-sum payment, known as a death benefit, to beneficiaries upon the individual’s death. The purpose of life insurance is to provide financial security to surviving dependents or other beneficiaries after the death of an insured person. There are two main types of life insurance: term life insurance, which provides coverage for a specified term, and permanent life insurance, which offers lifetime coverage. The type of life insurance one chooses depends on their personal needs, financial situation, and future goals.
Available Carriers
Schedule
a Free
Consultation
Join hundreds of happy customers and set up a one-to-one meeting with us to establish the best plan for your personal needs. Below are some of the things you can expect when you meet with us for your personalized consultation.
- Prescription Analysis
- Provider Comparison
- Plan Education
- Low-Income Options
- In-home meetings
- Honest Conversation
- Zero Pressure