Are you turning 65 and confused? We can help you to determine which plans will best suit your needs. We provide unbiased assistance in helping you find the right Medicare Supplement or Medicare Advantage plan as well as the most logical prescription drug plan.
Are you leaving your job or losing coverage from a retiree or Medicare Advantage plan? Need to compare a retiree plan with original Medicare? We can help you get the right information so you can make the best decision.
Sick of rate increases on your current plan? Do you feel that you are paying too much? After a thorough analysis of your policy, its possible your monthly premiums can be lowered while keeping the same coverage that you currently enjoy.
Medicare Supplement (Medigap) plans pay for deductibles and coinsurance under Original Medicare. There are no network restrictions as long as the provider accepts Medicare and the plans are guaranteed renewable which means you can't be dropped unless you cancel or don't pay your monthly premiums.
Medicare Advantage refers to HMO or PPO plans that take over for Original Medicare. The benefits include a schedule of copays, coinsurance, deductible, and maximum-out-of-pocket spending for the year as well as basic dental, vision, and gym membership. Medicare Advantage plans use selective contracting to create a network of providers that service the plan.
Part D of Medicare is prescription drug coverage offered by private insurance companies. Each plan has a different copay schedule for each tier of drugs as well as different monthly premiums. We can help you determine which plan is the best fit based on your prescription needs.