Everyone needs effective and affordable health insurance. Let us do the analysis to figure out what works best for you. We know the options and can uncover a Medicare insurance plan that fits your lifestyle and budget.
Start with an assessment of your unique needs. Do you like to travel? Do you have special needs? Do you have a primary care physician now? How about a specialist? How do you feel about using physician networks? Do you want more choices in physicians?
Look at and compare the plans that are available where you live, along with a cost comparison. Verify your doctors and medications, if any, are covered by your new plan. Find additional benefits like dental insurance or vision coverage that may not be covered under Medicare.
Provide help with enrollment to make sure you get the coverage, doctors and medications you need. Make sure the physicians and pharmacies have your information and are ready to use.
Check in periodically to see that your plan is working for you and that your expectations are being met . This isn't "one and done" for us. We want to have contact throughout the year.
Medicare Supplement Insurance plans help members pay for costs and services not covered by Original Medicare. Out-of-pocket costs can include co-pays, deductibles and coinsurance.
Medicare Supplement Plans:
• Are sold by private insurance companies
• Have monthly premiums that vary by resident state & plan
• Can require underwriting and approval
• In most cases, allow members to see any provider who accepts Medicare
Sometimes called “Medicare Part C,” Medicare Advantage (MA) plans are often viewed as an all-in-one alternative to Original Medicare. MA plans are offered by private companies approved by the federal government. Although these plans come with standardized minimum coverage, the amount of additional protection offered can differ drastically from one person to the next. They make use of managed care through provider networks normally in an HMO.
Medicare Advantage plans often offer prescription drug coverage as a part of the package. Insurers also sell federally standardized Medicare Part D plans as a standalone product to those with Medicare Part A and/or Part B. Every Part D plan has its own list (i.e., a “formulary”) of covered medications. Visit Medicare.gov to explore the formulary of approved drugs for your Part D plan as well as their prices, organized by tier.
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