Prices Services Group, LLC in Leland, NC: Medicare and retirement planning help that keeps things simple
Prices Services Group, LLC (PSG) helps older adults and families make smart, steady decisions about Medicare, supplemental coverage, life insurance, and retirement income strategy. Based in Leland, North Carolina, PSG is a strong fit for people who want clear answers, plain-language explanations, and guidance that looks at the full retirement picture—not just a single policy.
Insurance choices and retirement decisions tend to overlap. A Medicare plan affects more than doctor visits—it can shape your monthly budget, your provider access, and your peace of mind when something unexpected happens. PSG brings Medicare planning, health protection options, Social Security timing, and retirement strategy into one coordinated conversation, so you’re not piecing it together alone.
How PSG can help
Clients work with PSG for support across the questions that come up most often during retirement planning:
- Choosing between Medicare Advantage, Medicare Supplement (Medigap), and Prescription Drug Plans (Part D)
- Planning for common coverage gaps with supplemental health options
- Adding standalone dental, vision, and hearing coverage when needed
- Protecting family responsibilities through life insurance planning
- Preparing for future care needs with long-term care insurance and home health care coverage options
- Building a retirement income strategy designed to help your money last
- Making confident Social Security decisions as part of the larger plan
Convenient planning from home: phone consultations with optional video
PSG is built for real-life schedules. Consultations are handled by phone, with video available if you prefer. That flexibility is especially helpful for seniors who want to plan comfortably from home, as well as adult children who want to join appointments from another city or state.
It also supports long-term follow-through. Retirement planning isn’t a one-and-done decision—coverage and needs can change, and having a team that can stay connected without requiring in-person visits makes it easier to keep your plan current.
Medicare guidance with clear comparisons and fewer surprises
Medicare can feel like a maze, especially when you’re trying to understand what you’ll pay, which doctors you can see, and how coverage works when you actually need care. PSG helps you compare paths in a practical way—so you understand the tradeoffs, not just the plan names.
Medicare Supplement(Medigap): Planning for out-of-pocket exposure
For many retirees, the appeal of a Medicare Supplement plan lies in its predictability. Medigap coverage is designed to help with out-of-pocket costs that Original Medicare doesn’t cover. This can be especially important for people who want to plan carefully around medical expenses and reduce uncertainty.
PSG also helps clients understand what Medigap typically doesn’t cover—such as routine dental, vision, and hearing services, hearing aids, eyewear, long-term custodial care, and retail prescription drugs—so you can build a more complete plan instead of assuming one policy covers everything.
Medicare Advantage (Part C): bundled coverage with network considerations
Medicare Advantage plans are offered by private insurance companies and often operate through provider networks. Many people like the convenience of having bundled coverage that can include hospital and medical benefits, and often prescription drug coverage as well.
PSG helps clients look closely at the details that matter in daily life—provider access, how out-of-pocket responsibilities can work, and the possibility that plan benefits can change from year to year. For retirees who value clarity, that kind of side-by-side comparison makes decisions feel less stressful.
Prescription Drug Plans (Part D): understanding how coverage works across the year
Prescription needs can change, and Part D coverage isn’t always intuitive. PSG helps clients understand how Part D typically flows through the year, including how deductibles, initial coverage, and catastrophic coverage work, so you can choose with clearer expectations.
Supplemental health options for “what if” moments
Even with Medicare coverage, unexpected health events can bring extra responsibilities—copays, deductibles, prescriptions, and non-covered expenses that show up quickly during a hospital stay or after a serious diagnosis. PSG supports seniors who want a plan that feels more prepared and less reactive.
Hospital indemnity coverage: added support during hospital confinement
Hospital indemnity insurance can pay benefits tied to hospital confinement and certain medical services, depending on the policy. Many clients consider this type of coverage to help with gaps that can arise in other plans, giving them added flexibility when a hospitalization happens.
Cancer and serious illness coverage: planning ahead for high-impact diagnoses
Some policies are designed to pay a lump-sum benefit for covered diagnoses like cancer, heart attack, or stroke. PSG helps clients explore whether this kind of protection fits their situation—especially for those who want to reduce the financial ripple effect a major diagnosis can create.
Dental, vision, and hearing: practical coverage for everyday needs
Routine dental, vision, and hearing support is a common concern in retirement, and coverage can be limited under Original Medicare. PSG helps clients explore standalone coverage options when routine care—like dental visits, eyewear needs, or hearing support—matters for quality of life and independence.
Life insurance planning that protects the people who depend on you
Life insurance needs don’t stop at retirement. PSG helps clients match coverage to real responsibilities—protecting a spouse, covering a mortgage, supporting family members, or handling final arrangements without putting stress on loved ones.
Final expense planning: a thoughtful way to reduce burden on family
Final expense life insurance is designed to help families cover end-of-life expenses and related costs. For many seniors, having a plan in place is about peace of mind—knowing loved ones won’t have to scramble during an already emotional time.
Common life insurance options PSG can help you evaluate:
- Term life insurance for time-specific needs
- Mortgage protection coverage
- Permanent life insurance options (whole life and universal life)
- Juvenile life insurance for families planning ahead
- Final expense life insurance for end-of-life planning
Retirement strategies designed to help your money last—and your independence stay intact
PSG supports retirement planning through an income-focused strategy session that helps clients map a path for the lifestyle they want, using the assets they’ve built. Planning isn’t just about growth—it’s about stability, longevity, and making sure your plan can flex when life changes.
Planning support for common retirement situations:
PSG regularly works with retirees and families navigating real-world situations, such as:
- Active, healthy retirees who want dependable income and long-term stability
- Seniors managing medical changes who want a plan built around protection and predictability
- Adult children assisting a parent under Power of Attorney
- Widowed or single seniors focused on long-term independence
Social Security planning, nationwide
Social Security decisions can affect income for decades. PSG helps clients think through timing in a way that fits their broader retirement strategy—so benefits, savings, and coverage work together.
Why seniors choose PSG
PSG is a strong choice for people who want explanations that make sense, planning that feels coordinated, and support that’s convenient to access. If you’re preparing for Medicare, reviewing coverage, or building a retirement strategy designed for the long haul, PSG offers guidance that’s grounded, practical, and centered on what matters most: your ability to live retirement on your terms.
