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317-407-8952 (Milt Hatfield) | 502-641-3769 (Chris Rhodes) info@MidwestHealthXChange.com

Midwest Health XChange

Health Insurance Services

Health Insurance

Midwest Health XChange understands how stressful choosing the right health insurance protection at an affordable cost can be.  We provide free, no obligation consultations and will direct you to the solution that best fits your needs! We make sure that you can keep the Doctors and Hospitals that you know and trust without any network restrictions or out-of-network penalties. 

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MidWest Health XChange offers Catastrophic solutions (subject to a deductible) and no deductible benefits for: 

  • Hospitalization
  • Surgery
  • Outpatient Chemotherapy/Radiation Therapy
  • Optional Benefits provide cash benefits for:
  • Outpatient X-Rays/Lab Tests
  • Outpatient Doctor Visits
  • Ambulance
  • Prescription Drugs
  • Preventive Care such as:
  • Colonoscopy
  • Mammograms
  • Pap tests
  • Diabetes tests
  • Prostate examinations

As with all of our policies, you do NOT have to go to specific doctors or hospitals. YOU can choose your OWN provider!

Medicare & Medigap Plans

Medicare and Medigap plans – If you are already 65 or will soon be turning 65, Midwest Health XChange will explain how Medicare works in simple, understandable terms.  We will provide a free, no obligation consultation and help you select the Medicare program that best fits your needs! 

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Medicare and Medigap Plans – If you are already 65 or will soon be turning 65, Midwest Health XChange will explain how Medicare works in simple, understandable terms.  We will provide a free, no obligation consultation and help you select the Medicare program that best fits your needs!

Medicare provides many great benefits, but it can still leave you stuck with large medical bills to pay on your own. Midwest Health Insurance offers Medicare Medigap Plans that help to fill the gaps left by Medicare. The benefits automatically adjust with Medicare. You cannot be cancelled on this policy once it is issued, as it is guaranteed renewable for life. In most states, we offer a lower non-tobacco-use rate.

Medicare Supplement Insurance
Medicare includes parts: A, B, C, and D
Part A: Medicare Hospital Insurance
With very few exceptions, this is free. It helps cover inpatient care in hospitals, as well as skilled nursing care, hospice, and home health care. However, it may not pay 100% of these costs.

Midwest Health XChange will explain how a Medigap Policy can reduce your exposure to part A, out of pocket, expenses and save you money!

Part B: Medical Insurance
Medicare Part B covers physician’s services, (hospital) outpatient care, home health care services, and some preventive services to help support your overall health and to prevent certain illnesses from getting worse.

If you are concerned that you might have additional expenses not covered, you may want to consider purchasing a Supplement Plan (or Medigap policy).

Part C: Advantage Plans
These are individual insurance plans offered by private companies that are approved by Medicare.

An Advantage Plan offers all of your Part A and all of your Part B coverage. By law, Medicare Advantage Plans must cover all the services covered by Original Medicare, except hospice.
So what about hospice care? Original Medicare covers that, even if you have an Advantage Plan.
Are Medicare Advantage Plans supplemental coverage? No: see below.

Part D: Prescription Drug Coverage
This helps cover the cost of your prescription drugs. Part D is run by private insurance companies that are approved by Medicare. It may not cover the complete cost, but offers a very significant discount.

Advantage Plan or Supplement Plan?

Once you turn 65 and go on to Medicare Part B, you come have a choice to make. You are only allowed to select one of the following:

1: If you choose an Advantage Plan (see “Part C” above), you are actually opting out of the Medicare System and choosing a private insurer. Depending on which company you choose, there may or may not be an annual fee, and coverages and co-pays will vary.

2: It you choose a Supplement (or Medigap) Plan, you still get to choose a private insurer but, oddly enough, you are staying within the Medicare System. You will pay monthly installments on an annual fee – this varies according to the insurance company you choose – but zero co-pays.

When is the best time to sign up?
If you already receive Social Security and are nearing 65, you will receive your Medicare card in the mail about three months before you reach 65. If you decide to wait until age 66 or later to apply for Social Security, you should apply for Medicare about three months prior.

When can I apply for Medicare?
Your Medicare card will arrive in an envelope from CMS (Centers for Medicare/Medicaid Services). It will have the effective dates of both Part A and Part B already filled in. Be sure to keep this – and any additional documentation or information you receive from CMS.

If you don’t want Part B, then follow the instructions on the card and return it. Otherwise you will have to pay the Part B premium.

Can I say NO to Part B?
Absolutely yes! Assume you work for a company that has a good medical plan, and you want to keep it after you turn 65. You may decide not to sign up for Part B at this time. Check with your Human Resources Department to decide the best solution for your situation.

Once you have left your company, you can contact Social Security and request a new card, with your preferred start date for Part B. Generally, this is the first day of the month after your company health benefits end.

You have 6 months to decide!
Don’t Let This Time Slip By
From the time you go on Part B, you have only six months for the Open Enrollment Period. During this 6 month period, you have the guaranteed right to:
1. Enroll in any Medicare Advantage Plan available in your service area, or
2. Purchase any Medicare Supplement (Medigap) policy sold in your state.

You cannot be turned down for coverage during this time. But it only comes around once. When this six-month period is over, your option to buy a Supplement policy may be limited, it may cost you more, and you will probably have to pass medical tests to apply for one in the future.

Home Healthcare with Prescription Coverage

Midwest HealthXChange offers an affordable Home Healthcare insurance program as an alternative to traditional Long Term/ Nursing Home coverage.  There are no provider restrictions or out-of-network penalties!  Recover in the safety of your own home with the people you trust.  Prescription benefits help to reduce your out of pocket costs and/or deductibles.

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Home Healthcare Insurance with Prescription Coverage –  Midwest HealthXChange offers an affordable Home Healthcare insurance program as an alternative to traditional Long Term/ Nursing Home coverage.  There are no provider restrictions or out-of-network penalties!  Recover in the safety of your own home with the people you trust.  Prescription benefits help to reduce your out of pocket costs and/or deductibles.

People don’t go to nursing facilities because they want to; they go because they have to. Midwest Health XChange’s Home Health Care policy gives you the flexibility to utilize the type of care that can be right for you require in the comfort of your own home.

The need for in-home care has increased significantly as a result of people being discharged from the hospital sooner. This policy can provide valuable benefits when you need them most from the comfort of your home instead of in a hospital or nursing home. Fixed Cash benefits are paid if you receive:

  • Prescription Drugs
  • Skilled Nursing Care
  • General Nursing Care
  • Physical Therapy
  • Speech Pathology
  • Occupational Therapy
  • Chemotherapy Specialist Services
  • Enterostomal Therapy
  • Respiration Therapy
  • Medical Social Services
  • Home Health Care Aide

Optional benefits can also help cover:

  • Annual Physical Exams
  • Eye and Hearing Exams
  • Ambulance
  • In-hospital Private Duty Nurse

Supplemental Cancer Coverage

Supplemental Cancer Coverage – Being diagnosed with internal cancer is a life changing event. Let Midwest Health XChange reduce your out-of-pocket exposure to medical bills or everyday expenses with a supplemental cancer insurance plan.

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Supplemental Cancer Coverage – Being diagnosed with internal cancer is a life changing event. Let Midwest Health XChange reduce your out-of-pocket exposure to medical bills or everyday expenses with a supplemental cancer insurance plan.

We have Cancer policies that pay lump-sum cash benefits for first diagnosis of cancer up to $50,000. These policies do not require a physical exam.

As long as you have not previously had any type of cancer, you may purchase these policies regardless of your other health conditions. These insurance plans are guaranteed renewable and can cover inpatient/PLUS outpatient care.

Dental & Vision Insurance

Dental & Vision Insurance – Midwest Health XChange offers affordable dental and vision coverage in one package!  Our plan can be used at any dentist or eye doctor that you choose and provides first dollar benefits, without any deductible, on preventative services.

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Dental and Vision Insurance – Midwest Health XChange offers affordable dental and vision coverage in one package!  Our plan can be used at any dentist or eye doctor that you choose and provides first dollar benefits, without any deductible, on preventative services.

The best medicine is preventive! This coverage makes it possible for everyone in your family to receive proper dental and vision care including:
  • Routine cleanings
  • Comprehensive dental procedures
  • Eye exams
  • Contact lenses
  • Frames and lenses
You get BOTH dental and vision coverage combined in ONE LOW PREMIUM. This one insurance plan provides benefits you can really use today. Coverage starts immediately with no waiting period for check-ups. All this without the need to worry about being in a network or going to a specific dentist or eye doctor because YOU CHOOSE your own medical professional.

Supplemental Accident Coverage

Supplemental accident coverage – Accidents happen, but being burdened with out-of-pocket expenses and hospital bills can be avoided!  Let Midwest Health XChange be the solution to your accident coverage needs.

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Supplemental Accident Coverage – Accidents happen, but being burdened with out-of-pocket expenses and hospital bills can be avoided!  Let Midwest Health XChange be the solution to your accident coverage needs.

You never know when or where an accident may occur.

Midwest Health XChange’s, accident policies will help you have the peace of mind that when tragedy strikes, you and your family will have an additional source of cash and security. Depending on the coverage you select, these policies can pay from a few hundred dollars to over $100,000 for you, your family or employee.

Whether it’s hospitalization, outpatient treatment, doctor’s office, emergency room visit, or even a chiropractor visit, the policies have the option of paying cash direct to you. You can use the money where it is needed for:

  • Medical expenses
  • Mortgage
  • Living necessities
  • Household bills
  • Whatever you deem necessary

And in the event of accidental death one of our policies provides cash benefits of up to $50,000 to your family.

Our Service Area

Midwest Health XChange is proud to provide Health Insurance solutions for our valued clients in Illinois, Kentucky, Indiana, Michigan and Wisconsin.

Contact us today

317-407-8952 (Milt Hatfield)

502-641-2769 (Chris Rhodes)

What if I lose my health insurance?

“Losing health insurance can be overwhelming and stressful.  If you are worried about taking that next step uncovered, please let Midwest Health XChange guide you thru a step-by-step process to find you an affordable health insurance option.”

We are confident that we are getting the coverage we need

“Chris Rhodes has always conducted himself as the consummate professional.  He has assisted us in finding our way through the complex and ever-changing nature of health care insurance, including educating us on the marketplace option and aiding us in navigating that system. Chris is clear and honest about what is covered, what the cost will be and responsive when we have questions or concerns. Our annual review leaves us confident that we are getting the coverage we need at a price that is appropriate.” David B.

impeccable integrity, knowledgeable, dependable...

“...several years ago when we filed an insurance claim we quickly learned the value of having the right agent to assist. My agent failed us at that time and our claim was denied. Fast forward several years to when my wife and I were looking towards retirement. We began looking for Medicare supplemental insurance. We knew we needed to find the right agent. Our neighbor... advised us to contact Milton Hatfield... When one of them started having major health challenges, they found Milt to be very helpful. We made an appointment for Milton to come to our home and he gave us freely of his time. He learned about us personally before ever talking about insurance. He then presented a plan that has worked well for us. We have maintained communication with him and he recently helped us with a policy that will help if/when we need Home Health. I would like to highly recommend Milton to you as a man of impeccable integrity, knowledgeable, dependable, and very thorough. We think of him as a valuable friend, rather than simply our insurance agent.” Wayne A., Lebanon, IN

Our experience with Chris was great

“We were very concerned when my wife, Elaine, and I were eligible for Medicare. Chris came over to our house and explained all of the options and made sure that we knew the pros and cons of the available selections. After his careful and thoughtful presentation, we moved forward with Medicare and the best supplement for us. We also added Home Health Care Services as well.

Our experience with Chris was great and we highly recommend him to anyone that needs to understand the in and outs of the Medicare program. Chris has really given us one less thing to worry about. He is honest, trustworthy, frugal, smart and helpful.” Dave W.

Milt goes above & beyond...

“Milt Hatfield goes above and beyond to explain things to us in a way that is easy to understand. We have the utmost respect for him because of this. Because of the way he treats us we consider him our friend and respect him enough to refer him to our friends & family. He always makes time to answer all of our questions even when he is busy. He returns every call. If he doesn’t know the answer to a question he admits it and asks someone who knows. This speaks to his character. He actually cares about us and the well being of our family. It is because of all of these attributes as a whole that we can say that he is, not only a great person but also great at his job.

Thank you Milt for being our insurance agent but also our friend.” Brad B. Rochester, IN

Our best interest at heart

My wife and I are self-employed, both turning 65 this year. We met Chris six years ago as we were working toward optimizing our private health insurance situation. At that time, we purchased a modest home healthcare policy from him. Since then, he has been a valuable resource to us as we've navigated through our health insurance decisions. First with our private insurer, then through the Affordable Care Act as that became our health insurance option.

Through all of this assistance, he was never involved directly with our insurance purchase (therefore never receiving any compensation), but he still made himself available whenever we needed his help, always with our best interest at heart. So, as we are now making our Medicare decisions, it is logical to us to let him guide us through this process as well. In short, he has earned our business.James & Debra E.

You're the best!

“Martha and I really appreciate all the information, advice and guidance provided during our insurance and medicare journey. You exceeded all expectations making the details simple and easy to understand. If we can ever be a reference or assist you, please let us know.Paul & Martha W.

Midwest Health XChange

Get In Touch

Address

Midwest Health XChange

14247 Saffron Circle

Carmel, IN 46032

Phone

317-407-8952 (Milt Hatfield)

502-641-2769 (Chris Rhodes)

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