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    Joan Heintz - State Farm Insurance Agent

    3.7 (3 reviews)
    Closed 9:00 am - 5:00 pm
    Updated 2 months ago

    Services - Joan Heintz - State Farm Insurance Agent

    Homeowner or property

    Car and truck insurance

    Life insurance

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    5 years ago

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    Joan H.

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    8 years ago

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    Ask the Community - Joan Heintz - State Farm Insurance Agent

    Banovic Insurance Agency

    Banovic Insurance Agency

    (1 review)

    Medicare supplement plans and Part D drug plans has been a weltering, confusiing mess for me and my…read morewife. My original agent in another company met me once and was content with sending us long-winded, confusing emails thereafter. Mr. Banovik has been a breath of fresh air. He has personally met with us each year, switched me to a different medigap plan that has so far saved me almost $2k, and has found us the right drug plans. Each year he spends over an hour with us, inputting our drugs into a program that comes up with the best alternative. He does a great job and saved us a lot of time, money and worry.

    From the owner: A Medicare Supplement Insurance Plan is used with original Medicare. Any caregiver that accepts…read moreMedicare will take a Supplement because they only need to bill Medicare. Medicare pays their part (generally 80% of Medicare covered benefits) and sends the remainder of the bill to the Supplement which pays their part (generally 20%). It is important to note that Supplements do NOT include Prescription Drug Coverage (Part D, PDP) and for those that do not get a PDP when first eligible there will be a penalty when they do get a PDP. (there are exceptions to this) A Medicare Supplement does not change year to year (although the cost does generally go up the coverage does not change). Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are an "all in one" alternative to Original Medicare. They are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. These "bundled" plans include Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance), and usually Medicare drug coverage (Part D). Medicare Prescription Drug Plans (Part D)

    Joan Heintz - State Farm Insurance Agent - homeinsurance - Updated September 2026

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