Healthkey Insurance Services

At Healthkey Insurance Services, we believe that the key to your health begins with good coverage. Our mission is to provide our clients with a variety of health insurance plans and individual and family dental plans that suit their needs and budget. Our extensive range of products and services is designed to offer you the protection that you deserve.

Health Insurance Plans

We offer a variety of health insurance plans, including Major Medical Plans, Medicare Advantage Plans, Medicare Supplement Insurance Plans, and Long Term Care Insurance. Our agent, Debbie Sharpe, is an independent insurance agent who has specialized in the Medicare Supplemental insurance market for over 20 years. She has the expertise and knowledge to guide you through the complex world of health insurance and help you select the most comprehensive coverage that will best meet your needs. Debbie Sharpe represents multiple companies in California at affordable prices, giving you a choice and offering you the protection that you deserve.

Medicare Plans

If you are new to Medicare or are already enrolled, Debbie Sharpe can guide you step by step with what original Medicare doesn't cover, like deductibles, copayments, and coinsurance. She will review the benefits and features of Medicare Supplements or Medigap policies with you and offer you a quality program. As an independent agent, Debbie can offer quotes from multiple, highly rated insurance companies that best meet your needs and budget.

Medicare Advantage Plans

Medicare Advantage Plans are offered by private insurance companies and cover the same services as original Medicare and sometimes include Prescription Drug coverage. These plans are designed to provide you with more benefits and choices than original Medicare. However, it is important to understand that Medicare Advantage Plans have different rules, benefits, and costs than original Medicare. Debbie Sharpe can guide you through the process of selecting a Medicare Advantage Plan that best meets your needs.

Medicare Supplement Insurance Plans

Medicare Supplement Insurance Plans, also known as Medigap, are designed to supplement your Original Medicare coverage. These plans help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles. Our Medigap policies are standardized by the Federal Government, which means that the benefits of a particular plan are the same, no matter which insurance company sells it.

Part D Prescription Drug Plans

Part D Prescription Drug Plans are standalone policies that are offered along with your Medicare Supplement Plan. These plans are designed to help cover the cost of prescription drugs. It is important to understand that if you do not take part in a qualified prescription drug plan when you become eligible, you will incur a monthly penalty in addition to your premium if you choose to participate at a later date. Debbie Sharpe can guide you through the process of selecting a Part D Prescription Drug Plan that best meets your needs.

Dental Insurance Plans

In addition to our health insurance plans, we also offer Individual and Family Dental Plans for all ages. Our dental insurance plans are designed to help you pay for routine dental care, as well as expensive procedures. We work with leading insurance carriers to offer you the best coverage at affordable prices.

Conclusion

At Healthkey Insurance Services, we are committed to providing our clients with the best health and dental insurance plans that suit their needs and budget. Our experienced agent, Debbie Sharpe, has the expertise and knowledge to guide you through the complex world of health insurance and help you select the most comprehensive coverage that will best meet your needs. Contact us today to learn more about our products and services.