Health & Medicare Services
Schedule an appointment with our Health and Medicare consultant in the Baltimore area
At Zivae Financial, we believe your health coverage should give you confidence, not confusion. Whether you’re exploring Affordable Care Act (ACA) plans, seeking extra protection through indemnity coverage, or transitioning into Medicare, we simplify the process so you can focus on what truly matters — living well and planning confidently for the future.
Health Insurance (ACA & Indemnity Plans)
We help individuals, families, and small business owners find affordable and comprehensive health insurance that fits their unique needs.
- ACA Plans: We guide you through marketplace options to find plans that cover your doctors, prescriptions, and wellness priorities — while helping you qualify for federal subsidies that reduce monthly costs.
- Indemnity Plans: For clients who want added flexibility, we offer fixed-benefit plans that pay you directly for covered medical events — giving you control over how benefits are used.
Our goal is to ensure your health coverage complements your lifestyle, protects your finances, and gives you peace of mind year-round.
Medicare Solutions
Navigating Medicare can be overwhelming — but with our personalized support, it doesn’t have to be. We educate and empower you to make confident decisions about your health coverage through:
- Medicare Advantage (Part C) plans for all-in-one coverage
- Medicare Supplement (Medigap) policies that reduce out-of-pocket costs
- Prescription Drug (Part D) plans to ensure medication affordability
- Dental, Vision, and Hearing add-ons for complete care
We take time to compare your current benefits, review costs, and ensure you never pay for coverage you don’t need.
Zivae Financial is built on trust, education, and empowerment. We don’t just enroll you — we guide you every step of the way, making health coverage simple, transparent, and tailored to your goals.
