Coverage You Can Trust.
Guidance You Can Appreciate.
What We Offer
Our Products
Life Insurance
Protect your loved ones' future with flexible life insurance designed to provide lasting financial security.
Medicare Supplement
Fill the gaps Original Medicare doesn't cover and enjoy predicatable costs and peace of mind.
Medicare Advantage
All-in-one Medicare coverage with added benefits that may include dental, vision, and more.
Critical Illness
Receive a cash benefit to help cover expenses if you're diagnosed with a serious illness.
Prescription Drug Plans (PDPs)
Lower your medication costs with a plan tailored to your prescriptions and pharmacy preferences.
Dental & Vision Insurance
Affordable coverage to help keep your smile and vision healthy year-round.
Backed by Trusted Insurance Carriers
We work with nationally recognized insurance carriers and follow all state and federal guidelines to ensure accurate, compliant coverage recommendations.
Why Choose Us?
At Premier Financial & Insurance Services, we focus on clear guidance, personalized support and coverage options that fit your needs. We take the time to explain your choices, answer your questions, and help you make confident insurance decisions without pressure. Our goal is to be a trusted resource you can rely on now and in the future.
Independent & Plan-Focused
As an independent agency, we help you compare options across multiple carriers to find coverage that makes sense for you.
Personalized Guidance,
Not One-Size-Fits-All
We take the time to understand your needs, budget, and goals so your coverage fits your life- not the other way around.
Support Beyond Enrollment
Our relationship doesn't end once you enroll- we're here to help with questions, reviews, and changes as your needs evolve.
Frequently Asked Questions
What is a Medicare Advantage (Part C) plan?
A Medicare Advantage plan is a private insurance plan that covers your Original Medicare benefits (Part A and Part B), and often includes extra benefits like prescription drug coverage, dental, and vision - all in one plan.
What is a Medigap (Medicare Supplement Insurance)?
Medigap is private insurance that works alongside Original Medicare (Part A and Part B) to help cover out-of-pocket costs like deductibles, copayments, and coinsurance. This plan has a monthly premium in addition to your Part B premium and gives you more predictable healthcare expenses.
How does Medicare coordinate with other insurance I might have?
If you have Medicare and other health coverage (like employer/retiree coverage or Medigap), Medicare generally pays first and the other insurance pays second - this process is called coordination of benefits.
Can I have Medigap and Medicare Advantage at the same time?
No - Medigap only works with Original Medicare (Parts A & B), and you generally cannot have a Medigap plan if you are enrolled in a Medicare Advantage (Part C) plan.
Do Medigap plans include Prescription Drug Coverage?
No - Medigap policies sold today do not include drug coverage, so if you want prescription drug benefits you must join a separate Medicare Part D plan or choose a Medicare Advantage (Part C) plan that includes drug coverage.
When can I buy a Medigap policy?
You typically can buy a Medigap policy during your Medigap Open Enrollment Period, which usually starts 7 months before you turn 65 and/or enrolled in Part B and lasts for 6 months after your Part B effective date; outside this window, you may have limited options or underwriting requirements.
Reach out to us via email: [email protected] or call us at 855-588-1941
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Disclaimer:
This is not a government website and is privately owned.
premierfs.org is operated by Premier Financial & Insurance Services PLLC, which is an independent agency and is not a federal or state insurance Marketplace or other website. It does not provide access to any federal or state marketplace or exchange. This website is owned and operated by Premier Financial & Insurance Services PLLC, a licensed insurance agency, NPN #22073447. Invitations for application for health insurance are made through Premier Financial & Insurance Services PLLC, only where licensed and appointed. License numbers are available upon request and are provided where required by law.
*No obligation to enroll when you receive a free quote.
Medicare has neither reviewed nor endorsed this information. Not connected with or endorsed by the United States government or the Federal Medicare program.
We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day, 7 days a week (except some federal holidays), or your local State Health Insurance Program (SHIP) to get information on all of your options.
Enrollment in the plan depends on the plan’s contract renewal with Medicare. Enrollment in a plan may be limited to certain times of the year unless you qualify for a special election/enrollment period or you are in your Medicare Initial Election Period.
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