MEDICARE PLANS

MEDICARE SUPPLEMENTS, ADVANTAGE & PART D PLANS

Are you approaching a time in your life where you are beginning to research Medicare? Are you feeling overwhelmed and have more questions now than when you began? You are not alone. When you are new to Medicare there are so many parts, plans and "letters" to sort through. For over ten years we've been helping clients like you pick the best Medicare plans available from all the major insurance companies. We will research and compare all the plans so that you can make an informed decision, and we are here for you before, during, and after the application process. We will make your Medicare plan decisions easy from start to finish.

THE ABCD'S OF MEDICARE & MEDICARE ADVANTAGE

Part A) Hospital Services - Begin at age 65 ( or under 65 for qualified disabled individuals) and are provided by the government, with no premiums due.

Part B) Medical Services - Begin at age 65 ( or under 65 for qualified disable individuals) and are provided by the government, and has a monthly premium due based on your income, which is typically withdrawn from your Social Security.

*Part A & B DO NOT cover everything, Part C, D, and Medicare Supplements can be paired with Part A & B

Part C) Medicare Advantage Plans - Simply put, Advantage Plans are a result of the government outsourcing Medicare duties, such as claims processing, to private insurance companies. Deductibles, co-pays, and additional monthly premiums apply and not all doctors are in network. Depending on the type of plan you choose, monthly premiums can be as low as $0.00, but average $50/month.

Part D) Your prescription drug coverage - is purchased separately from a private insurance company ranging $30 to $100 monthly, depending on your choice of drug coverage.

Medicare Supplement) Supplements are the gaps of coverage in Part A & Part B. They can be purchased from a private insurance company. There are several supplements plans, differing based on the coverage you want and what your budget will allow. You can purchase a supplement with a rich benefit that will leave you with no out of pocket expense after your monthly premiums are met.