PHOCUS Health Benefits
Health + Protection = HappinessPhocus Health Benefits | Meet the Team
We are here to help you find the coverage suited for you.
Our goal is to provide you with the knowledge and guidance you need to make the right decision regarding your health care options. All plans are not created equal, we are ready to help you compare and enroll in the plan that is right for you!
Do not worry- We provide our services at no charge or obligation. We are paid by the insurance companies for assisting you through this decision process.
PHOCUS HEALTH PLANS
MEDICARE
A government funded health insurance program for people 65 or older, certain people who are under 65 with disabilities, and people of any agent with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant). New to Medicare or just looking to explore your options, we can help you navigate the often-confusing world of Medicare.
Medicare Advantage
Medicare Advantage is a Medicare-approved plan from a private insurance company that offers an alternative to Original Medicare for your health and drug coverage. These “bundled” plans include Part A, Part B, and usually Part D.
Medicare Supplement Plan
Medicare Supplement Insurance (Medigap) is extra insurance you can buy from a private health insurance company to help pay your share of out-of-pocket costs in Original Medicare, such as copayments, coinsurance, and deductibles. Generally, you must have Original Medicare to buy a Medigap policy.
Prescription Drug Plan
Medicare prescription drug plans, also known as Medicare Part D, are plans offered by a private insurance company that helps cover the cost of prescription drugs not covered by Medicare Parts A or B. Medicare Part D is usually included with your Medicare Advantage Plans. You can also enroll in a stand-alone Part D plan with Original Medicare and a Medicare Supplement plan.
Dental Plans
Dental coverage is considered a very important part of your overall health care plan. Making the decision to secure a dental plan for your faimly is the right choice. We offer options to make sure you maintain that sparkle to those pearly whites. For more information, please schedule a consultation or review your coverage options now.
Vision Coverage
Vision insurance can help you cover some of the cost of maintianing healthy vision, such as routine eye exams and contact lens fittings. Several Dental plans have the option to add vision. Like dental, your eyes have much larger impact on your overall health than you realize. Schedule a consultation to review the cost and benfits available with each plan.
Hospital Indemnity/Cancer/Heart/Stroke/Ambulance
These affordable solutions are designed to work with your medical insurance plan. Should the unexpected happen, make sure you have the proper coverage for you and your family. These benefits are paid directly to you and help with the costs your plan may not cover.
Under 65 Individual/Family Medical Insurance
Searching for the right coverage is a complex process and we offer a wide range of affordable health insurance plans. Schedule a consultation so we can help navigate your plan and coverage options.
GROUP
Building your business and hiring new employees? Keep them and their families safe and save yourself some stress and money with group coverage.
I trust this company wholeheartedly. Their staff have the highest of integrity and always work towards solutions that are best for their clients. I appreciate you helping me through a very difficult time. You made finding quality affordable healthcare very easy for me.
S. Lopez
Ray was amazing. After getting scammed by another insurance agent, he took care of it for me and got me benefits that are great! I highly recommend him.
Connie Johnson
Ray was very helpful and knowledgeable in answering all our questions relating to medicare health insurance.
Lucy Graham
We do not offer every plan available in your area. Currently we represent 7 organizations which offer 66 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.