Medicare plans that
take care of you
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Medicare Advantage
One plan that includes Medicare Parts A, B, and D and offers supplemental benefits
Medicare Advantage, also known as Medicare Part C, provides Part A and Part B benefits (Original Medicare) in a single plan administered by a private insurance company. Most Medicare Advantage plans include prescription drug (Part D) coverage and supplemental benefits such as fitness membership, dental, vision, hearing care, and over-the-counter pharmacy allowances. These plans are often available for a $0 monthly premium.
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Medicare Supplement
Every doctor and specialist that accepts Medicare in every state in the US
Medicare Supplements, also known as Medigap coverage, help to fill in gaps left by Original Medicare (Parts A and B). Supplement plans are accepted by any doctor in the United States that accepts Medicare and do not require referrals. Supplement plans charge a monthly premium that typically increases as you age.
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Medicare Prescription Drug
Optional drug coverage to pair with Original Medicare or a Medicare Supplement
The Medicare Prescription Drug Benefit, also known as Medicare Part D, is optional insurance for people with Medicare that helps to pay the costs of prescription drugs. Part D plans charge a monthly premium. Premiums and benefits vary widely from plan to plan. Plans typically have preferred pharmacies that offer greater plan benefits as well as mailorder options.
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Medicare + Medicaid
A special plan for individuals that are eligible for both Medicare and Medicaid
Dual eligible plans are available to individuals with Medicare and qualifying Medicaid eligibility. These Medicare Advantage (Medicare Part C) plans provide hospitalization, medical, and prescription coverage plus expanded supplemental benefits such as fitness, dental, vision, hearing care, transportation, over-the-counter pharmacy allowances, and healthy food allowances.
A quote is great… a conversation is better.
Turning 65 and ready for Medicare?
Turning 65 but plan to keep working and use your employer insurance?
Did you work past 65 and now you’re ready for Medicare?
We can help you work through your options.
FAQs
Here are some short answers to common questions.
But the best answer to any question is always a conversation! Contact us for detailed answers or to explore your specific situation.
What is Original Medicare?
Original Medicare is run by the Federal government and is composed of two parts - A and B. Medicare Part A (Hospitalization) covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health services. Medicare Part B (Medical) covers doctor visits, certain medical testing, outpatient services, and preventative care. Part A is free for most people while most people pay a monthly premium for Part B.
What’s better - a Supplement or a Medicare Advantage plan?
Both can be great approaches to supplementing the coverage provided by Orginal Medicare. But the answer to this question will be specific to you based on your personal circumstances, lifestyle, and preferences.
When can I get Medicare?
In general, most people enroll in Medicare during their initial enrollment period that begins 3 months before the month they turn 65 and ends 3 months after the month they turn 65. If you continue working past 65 and maintain certain types of employer health insurance, you will have a special enrollment period for Medicare when the employer coverage ends. There are other possible enrollment times including for individuals under age 65 with special circumstances. Not sure of your timing… let us help.
Can I change my plan over time?
Yes! Medicare has an Annual Enrollment Period (AEP) each year between October 15th and December 7th. The AEP is a great time to review your coverage and evaluate your options for the next year. You may also qualify for other Enrollment Periods at other times that would allow you to make plan changes.
I’m not taking any medications so why do I need Part D insurance?
Medicare Part D insurance covers prescription medications. When you turn 65, if you do not enroll in a Part D plan or have creditable drug coverage through another plan (such as through an employer), then you will be charged a lifetime penalty if you choose to enroll in Part D insurance at a later date. Even if you are taking no medications, make sure you have and maintain creditable drug coverage when you turn 65.
Can I see any doctor I want?
With Orginal Medicare, you can go to any doctor, health care provider, or hospital that is enrolled in Medicare and accepting new Medicare patients. This is also true with Medicare Supplement plans. Some Medicare Advantage plans may limit the doctors, providers, and hospitals that you can use by establishing a network of approved providers and/or by only providing coverage in a certain geographic area.