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Thanks for stopping by, we know that finding the Medicare program and choosing a plan can be a daunting and overwhelming process.
We are thrilled to be a part of this next chapter in your life. Our commitment to excellence starts with treating you with the utmost care and professionalism. We know that making an insurance choice is one of the most important decisions you’ll ever make and we are humbled that so many customers choose us to join them on their journey. We look forward to helping you
Hectoria Insurance & Financial service is a insurance company located in Edina, MN that specializes in Medicare and different types of insurance. We are experts at finding solutions for people who are in the market to find the right insurance coverage. Our diverse team has experience with all types of insurance scenarios, and we understand how to make every step of the process simple and stress free. We are confident that we have something to meet the needs of every buyer.
With a wealth of experience in insurance under our belts, our agents have handled some of the most complicated insurance situations on the market today. Whether you’re looking for regular health & life, Group coverage, commercial or Medicare insurance, Our goal is to make the process of purchasing insurance as simple as possible while offering individualized attention to each client. We approach every insurance transaction with the utmost professionalism and care and are dedicated to helping you in the way that’s best for you. With an emphasis on excellent customer service, our agents are happy to answer your questions and assist you with all of your insurance needs quickly and efficiently. Contact us to ask how you can protect your loved ones and valued possessions today!
Years of Experience
Agents
Please see below our frequently asked questions
Covers:
– Inpatient hospital stays
– Care in a skilled nursing facility
– Hospice care
– Some home health care
Cost:
– No monthly premium
– Deductibles/copays (varies depending on the service)
*Example: If you were hospitalized for three days you must pay $1,316 for your Part A deductible.
Covers things like:
– Doctor visits
– Outpatient care
– Medical supplies
– Preventative services
– Mental Health services
– Ambulance services
– Laboratory tests and X-rays
– Rehabilitation services
– Home Health Care
Costs:
– Monthly Premium
– Annual Deductible
– 80/20 coinsurance of Medicare approved amount
*Example: If the Doctor bill is $100, the beneficiary pays $20.
Covers:
– Part A
– Part B
– Many also cover part D
– Coverage is all under one plan administered by a private insurance company.
Cost:
– Monthly premium varies between private insurance company
– If it covers part D, there may be a prescription Annual Deductible
– Copays for different services
(Also called Prescription Drug Plan)
Covers:
– Medications
Cost:
– Varies
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