Insurance Plans – Sherf Insurance Brokerage

Medicare Advantage

Medicare Advantage
Insurance Plan

Medicare Advantage

Medicare Advantage: (also known as Medicare Part C) is an alternative to traditional Medicare (Part A and Part B) that offers several advantages.
Compare plan options: Costs, coverage, and provider networks, to determine which plan best suits their healthcare needs and financial situation.
Types of Plans: There are different types of Medicare Advantage plans, including Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), Private Fee-for-Service (PFFS) plans, Special Needs Plans (SNPs), and Medical Savings Account (MSA) plans. Each type of plan has its own rules and coverage options.

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Medicare Supplement

Medicare Supplement
Insurance Plan

Medicare Supplement Plan

Medicare Supplement: also known as Medigap, is a type of health insurance policy designed to fill the gaps in coverage left by Original Medicare. Original Medicare consists of Part A (hospital insurance) and Part B (medical insurance), but it does not cover all medical expenses, leaving beneficiaries responsible for certain out-of-pocket costs, such as deductibles, copayments, and coinsurance.
Compare Plan Options: These plans can help reduce out-of-pocket costs, but they come with monthly premiums and do not cover prescription drugs, so beneficiaries may need to purchase a separate Part D plan for medication coverage.
Plan Types: There are several standardized Medicare Supplement plan types, labeled with letters such as Plan A, Plan B, Plan C, and so on.

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Group benefits

Employer Group
Insurance Plan

Employer Healthcare Plan

Group Healthcare Plan: A group healthcare plan, often referred to as group health insurance, is a type of health insurance plan that provides coverage to a group of people, typically employees of a company or members of an organization.
Guaranteed Issue: Group plans often have guaranteed issue, meaning that individuals can enroll without needing to undergo a medical examination or meet strict health criteria.
Compliance with Regulations: Group healthcare plans are subject to various regulations and laws, such as the Affordable Care Act (ACA) in the United States, which mandate certain coverage requirements and protections for participants.

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Individual plan

Individual Healthcare
Insurance Plan

Individual Healthcare Plans

Individual Healthcare Plan: Also known as private health insurance, are policies purchased by individuals to cover their medical expenses.
Coverage Options: Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Exclusive Provider Organization (EPO), and Point of Service (POS) plans. Each type of plan has different features and costs associated with it.
Coverage Benefits: These plans typically cover a range of medical services, including doctor visits, hospital stays, prescription drugs, preventive care, and more.

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Our FAQ

Got questions? We've got answers

How exactly does Sherf help me?

Serving the interests of our clients. Personalized support matters. We offer health insurance for everyone from the best companies in the country.

Does Sherf help with claims?

Claims are between you and your insurance provider. If you want to change providers, we can help.

What is the open enrollment period?

The General Enrollment Period (GEP) is from April 1 - June 30 every year with coverage beginning July 1.

Can you help with prescription drug plans?

Yes. Prescription drug plans are included with most of the Medicare Advantage plans. You should consider enrolling in Medicare Part D to avoid the late enrollment penalty

Do you work with Medicare?

We can help with Individual Medical Insurance coverage as well as Medicare Advantage and Medicare Supplement Insurance.