Medicare Gap Insurance Specialists
Shinberg-LTB Insurance is a full-service, experienced insurance agency that has been serving Michigan for over 90 years. We know Medicare gap coverage can be confusing. Count on our knowledgeable team to explain your options and find the right Medicare supplement for your needs.
Our Medicare gap insurance provides some wonderful basic and additional benefits
Part A or Part B coinsurance/copayment
Part A or Part B deductibles
Part A hospice/respite care coinsurance/copayments
Part A Hospital costs (up to 365 days)
Skilled nursing facility coinsurance/copayment
Part B excess charges
Why Medicare enrollees prefer Shinberg-LTB Insurance
Protecting our clients AND providing piece of mind is our mission
Life evolves, much like your coverage needs. That’s why we continuously review our clients’ policies to ensure the most up-to-date, affordable, and useful coverage is in place. Our client relationships expand beyond writing policies and filing claims. We are your local service provider in good times and bad.
Our Experience = Lower client insurance costs paired with the best coverage
We get it - selecting Medicare Supplement plans can be difficult. From hundreds of mailers and phone calls from agents you don’t know, it’s easy to feel overwhelmed. That’s where we come in. We offer various Medicare Supplement carriers and are available to present you with a simple and affordable health insurance solution.
Shinberg-LTB Insurance is an official Acrisure Agency Partner
In business since 1929 and based in Okemos, Mich., we are an Acrisure Agency Partner with access to a multitude of national policies for your needs. Acrisure is one of the 10 largest insurance brokerage firms in the country and as a client of an Agency Partner, you gain access to over 200 insurance companies nationwide, helping us to shop your necessary coverage and obtain a competitively low cost for your policy coverage.
or call us at 517-913-2902
How Does Medicare Gap Insurance Work?
Our Medicare supplement coverage is designed to provide additional coverage to individuals who depend on Medicare for their primary insurance. Medicare Parts A and B cover some health care costs, but they do not pay for everything. Medicare supplement insurance plans (also knowns as Medigap plans) can help cover some of those uncovered out-of-pocket expenses including copays, deductibles and hospital stays.
Standardized Medicare supplement insurance benefits are defined by the federal government, which means that basic benefits for each plan is the same, regardless of which insurance company or carrier you choose. So, when selecting a plan, it is critical to consider some of the key features of supplement plans such as:
Hear from our customers
I’ve always felt like the agents at Shinberg-LTB are looking out for my best interests in finding me a quality insurance policy for a good price. I’ve been pleased with my rates and the prompt attention that the agents give when I have a concern.
Customer since 2016
This agency has made the insurance process a breeze. They are always on top of things and will contact you to make sure the customer (ME) at hand is taken care of!
Customer since 2016
Trusted and Known as a Premier Health Services Insurance Provider
Shinberg-LTB is proud to be a member of the National Association of Health Underwriters and a proud provider of Medicare supplement plan sponsors including Blue Cross Blue Shield, Bluecare Network, Priority Health, Wellcare, Aetna and Express Scripts.
Your Coverage Is The Best Coverage
We will review your current Medicare supplement insurance and make coverage recommendations based on your needs and our knowledge of the Medicare process, supplemental plans available and their benefits.
Proactive Customer service
We strive to be your trusted partner in all interactions – from scheduled appointments to check on your goals and manage risks to unexpected claims and concerns. The Shinberg-LTB Insurance team’s customer focus and expertise, enhanced by Acrisure’s national network, provides renowned quality service locally.
Supplementing Plan A and Plan B Coverage
With access to a number of trusted carriers, we offer supplemental plans that help to cover out-of-pocket expenses not paid by Medicare. From copayments to coinsurance to deductibles, our policies can protect you from additional medical expenses that might result from unexpected procedures or hospitalization.