Medicare

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Navigating through the complexity of Medicare options is easier with an expert at your side. As a broker, I'm connected to reputable providers such as Aetna, Blue Cross, Cigna, Humana, UnitedHealthcare, Amerigroup, Mutual of Omaha, among others. It's an honor to offer top-notch plans to those I serve.

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Medicare Advantage Plans/Medicare Part C

  • Run by private insurance companies approved by Medicare.

  • Ensures coverage for Medicare Parts A and B, although costs for specific services may differ.

  • May include extra benefits like incorporated Part D coverage, dental, vision/hearing benefits, and gym memberships, etc.

  • Offered as HMO, PPO, and PFFS plans. Many HMOs have simplified the process by removing the requirement for a referral from a primary doctor to see a specialist.

  • Doctors can choose whether or not to accept the plan.

  • Expect potential changes to plans on an annual basis.

Medicare Supplement/ Medigap

  • Provided by private insurance carriers to help cover eligible costs uninsured by traditional Medicare.

  • Medicare usually handles 80% of your costs, and supplements take care of the remaining 20%.

  • Go to any doctor that accepts Medicare patients, no referrals needed.

  • To qualify for a Medigap plan, it's necessary to be enrolled in Medicare Parts A and B.

  • You're eligible to get a supplement plan during the first six months of having Parts A and B, regardless of any pre-existing health conditions.

  • Be aware that the cost of supplement plans can increase over time.

Prescription Drug Plans/Medicare Part D

  • If you're eligible for Medicare Part A or already enrolled in Part B, you have the opportunity to join a Medicare Part D prescription drug plan.

  • This can be supplementary to your Medicare Part A and Part B coverage as a stand-alone plan, or integrated into a Part C Medicare Advantage managed care plan, encompassing hospital, medical, and prescription drug insurance.

  • This can be an advantageous option for those who require expensive medications, as it may help manage and potentially reduce your out-of-pocket prescription drug costs.