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EPIC Health Advisors provides a variety of services to meet your specific needs.

Not eligible for Medicare yet but still need health insurance?  We now provide individual and family insurance options through the ACA Marketplace!  Scroll down to the Other Services Offered section for more information.


All Medicare beneficiaries begin with Original Medicare, which is comprised of two parts. Part A helps cover hospitalization. For most individuals, there is no cost for Part A provided you have paid in enough Medicare taxes while working. If you are unsure, click here for the Part A cost explanation. Part B helps cover other medical services such as doctor visits, medical equipment, ambulance, and outpatient services. Part B DOES have a cost. In 2024, most individuals will pay the standard monthly premium of $174.70 for their Part B. However, it is possible to pay more since the cost is based on income limits. For more information about Part B Income-Related Monthly Adjustment Amounts, click here. Just as some individuals may pay more for Part B, it is also possible for others to receive assistance with this cost.

Original Medicare

Under Original Medicare, you must first meet a Part A deductible of $1,632 for each benefit period. In addition, you must also pay a Part B deductible of $240. After the deductibles are met, you are responsible for 20% of the total cost of services. Under Original Medicare, there is no yearly limit to what you will pay out of pocket unless you add on additional insurance coverage such as a Medicare Supplement. Original Medicare also has no prescription drug coverage. In order to ensure you do not receive penalties, you must add this coverage on separately.

Medicare Supplements

Medicare Supplement insurance plans, also known as Medigap policies, are offered by private health companies. They help pay for costs not covered by Original Medicare such as copayments, coinsurance, and deductibles. All Medicare Supplement plans have a monthly premium associated with them. In addition, you must also continue to pay your Part B premium. You have a variety of different supplement options available ranging from Plan A to Plan N. To see a comparison chart of the different Medicare Supplement options, click here. Medicare supplements are guaranteed renewable regardless of health conditions as long as you continue to pay your premium. However, they do NOT contain a prescription drug benefit, so you must purchase this separately.

Medicare Advantage

Medicare Advantage plans, also known as the Part C of Medicare, are offered by private health companies. They are required to cover all benefits included under Part A and Part B of Original Medicare, but many have additional features and benefits as well. Though some Medicare Advantage plans may have monthly premiums associated with them, these premiums are usually lower than a Medicare Supplement and many even have a $0 monthly premium. Even with a Medicare Advantage plan, you must still pay for your Part B premium. While you typically have copays or coinsurance for services rendered, Medicare Advantage plans do have a yearly limit for out-of-pocket expenses. After that limit is reached, there is no charge for covered services for the rest of the plan year. Unlike Original Medicare and Medicare Supplements, Medicare Advantage plans frequently include prescription drug coverage for no additional charge, and many offer additional benefits such as vision, dental, hearing, and more.

Prescription Drug Plans

Prescription drug plans, known as the Part D of Medicare, are also offered by private health insurance companies. They are available as a separate insurance plan or can be included in a Medicare Advantage plan. Prescription drug plans have monthly premiums, deductibles, copays, and coinsurance costs associated with them that can vary depending on the plan. Each one has its own formulary (list of drugs the plan covers), which is why it is so important to always check your current medicines when choosing a plan to make certain they will be covered. Each covered medicine is placed in a tier. The cost of the medicine will depend on which tier the medicine falls in. Medicine costs are also determined by what prescription drug stage you are currently in. Prescription drug stages are uniform across all plans. For more information about drug tiers and stages, click here.

Other Services Offered

Individual and Family Insurance

ACA Marketplace insurance is designed for individuals and families that do not qualify for health insurance coverage through Medicare or a job.  Depending on your household income, many families will qualify for subsidies to help cover some or all of their monthly premiums.

Hospital Indemnity

This is a supplemental insurance designed to help with some of the higher co-payments, deductibles, and out-of-pocket expenses of some insurance plans. Cash benefits are paid directly to you to help cover the costs associated with hospital confinement, ambulance trips, surgeries, skilled nursing stays and more. Some individuals find it a more affordable way to supplement the higher copays of a Medicare Advantage plan.  Anyone can have a hospital indemnity plan to help with costs regardless of age or other insurances.

Dental, Vision & Hearing

These are standalone plans that can be purchased to add coverage for dental, vision, and hearing needs. The monthly premium will vary based on the total amount of coverage chosen. These plans will help cover basic exams in each of the listed areas, and will also help to cover a percentage of the total costs towards services such as hearing aids, glasses, or major dental work, though some services may have a wait period before you can use them.

Cancer Insurance

This type of insurance provides coverage for expenses that traditional insurance may not cover when someone receives a cancer diagnosis. Some policies will pay out a lump sum upon diagnosis while others may provide more specialized coverage towards things such as radiation/chemotherapy, immunotherapy, surgical benefits, etc.

We also can assist you with applying for extra help with prescription drug costs, help paying for your Part B Medicare premium, and even applying for Medicaid if you meet the eligibility requirements for any of these programs.

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