Expert Medicare & Health Insurance Guidance

Navigating the complexities of Medicare and health insurance can be overwhelming. At Custom Benefits Solutions, we specialize in helping individuals, families, and businesses navigate their health insurance options with clarity and confidence.

Our service is always free to you, and our commitment is to provide expert guidance and ensure you have the best plan for your income, health, and lifestyle—both now and in the future. Let our team provide you with personalized solutions and simplify the process and find the coverage that meets your unique needs.

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Get Personalized Support

Need guidance on Medicare or health insurance options? Our team is dedicated to providing personalized support every step of the way. Schedule a consultation today to get the expert advice you deserve.

Medicare Plans

Breaking Down Medicare

Medicare is divided into different parts, each covering specific healthcare needs:

Part A (Hospital Insurance): Covers hospital stays, skilled nursing care, and some home health services.
Part B (Medical Insurance): Covers doctor visits, outpatient care, preventive services, and medical supplies.
Part C (Medicare Advantage): A private insurance option that bundles Hospital, Medical, and most often Drug plans, into a single plan with additional benefits that Medicare does not provide (i.e. dental, vision, transportation, gym memberships.
Part D (Prescription Drug Coverage): Helps cover the cost of prescription medications.

LET'S FIND THE RIGHT PLAN FOR YOU!

Medicare isn’t just about choosing a plan—it’s about choosing the right plan. Whether you’re newly eligible, need a coverage review, or qualify for extra benefits, we’re here to help.

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Special Circumstances

LOW INCOME & SPECIAL NEEDS

We understand that healthcare costs can be a major concern, which is why we also assist individuals who qualify for low-income and special needs programs such as:

Medicaid (AHCCCS in Arizona): If you meet income requirements, you may qualify for dual Medicare-Medicaid plans that provide extra benefits and lower out-of-pocket costs.
Medicare Savings Programs (MSPs): These programs help cover Medicare premiums and other costs for those with limited income and resources.
Special Needs Plans (SNPs): Designed for individuals with chronic conditions, disabilities, or dual Medicare-Medicaid eligibility, SNPs offer tailored benefits and coordinated care.

SPECIAL ENROLLMENT PERIODS (SEPs) – Don’t Miss Your Window!

Life happens, and certain events may allow you to enroll in or change your Medicare plan outside of the standard enrollment periods. You may qualify for a Special Enrollment Period (SEP) if you:

Loss of Employer Coverage
Move To A New Service Area
Qualify for Medicaid or Extra Help
Life Changes That Impact Healthcare Needs

At Custom Benefits Solutions, we stay on top of these details so you don’t have to. Our service is always free to you, and our goal is to make sure you get the best coverage for your unique situation.

Key Enrollment Periods

You can enroll during these key periods:

Initial Enrollment Period (IEP): 7-month window around your 65th birthday.
Annual Enrollment Period (AEP): October 15 – December 7 (for switching plans).
Special Enrollment Period (SEP): Available if you qualify due to life events (e.g., losing employer coverage, moving, or qualifying for Medicaid).

Medicare

Medicare is a federal health insurance program designed to provide coverage for individuals 65 and older, as well as younger individuals with qualifying disabilities/conditions. While it’s often associated with retirement, Medicare is not a one-size-fits-all program—understanding your options is key to making the most of your benefits.

At Custom Benefits Solutions, we believe Medicare should work for you—not the other way around. That’s why we simplify the process, helping you choose the right plan based on your health, income, and lifestyle.

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A Plan For Everyone

Whether you need coverage for yourself, your loved ones, or your employees, we provide expert guidance to ensure you have the best plan for your health, income, and lifestyle.

Individual Health Plans

For self-employed individuals, retirees under 65, and those without employer coverage.

If you need health insurance outside of an employer plan, we guide you through the Affordable Care Act (ACA) Marketplace and private insurance options to find the best fit for your budget and healthcare needs.

Group Health Plans

For small businesses, employers, and organizations who want to attract and retain top talent.

We work with businesses to customize group health plans that offer cost-effective coverage, tax advantages, and valuable employee benefits while staying compliant with regulations.

Hospital Indemnity Plans

For anyone who wants financial protection for unexpected hospital stays

Even with health insurance, hospital stays can lead to high out-of-pocket costs. Hospital indemnity plans provide cash benefits to help cover expenses like deductibles, copays, and lost income—giving you added financial security when you need it most.

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