Medicare Coverage

Protect your health and savings with supplemental Medicare insurance.

Before choosing a plan we want to be sure you know the difference between your many options; In particular how Medicare Supplements and Medicare Advantage Plans differ. Many people sign up for Advantage Plans thinking they are Supplements, they are not.

  • Medicare Supplement Insurance

    A Medicare Supplement Insurance Plans is used with original Medicare. Any caregiver that accepts Medicare will take a Supplement because they only need to bill Medicare.

    Medicare pays their part (generally 80% of Medicare covered benefits) and sends the remainder of the bill to the Supplement which pays their part (generally 20%). Note that Supplements do NOT include Prescription Drug Coverage (Part D, PDP) and for those that do not get a PDP when first eligible, there will be a penalty when they do get a PDP.

    A Medicare Supplement does not change year to year (although the cost does generally go up, the coverage does not change).

  • Medicare Advantage

    A private company takes over for Medicare. You remain in the Medicare system, but Medicare is no longer responsible for your bills. These plans follow the same type of module as many group plans, such as HMO or PPO. With this type of plan it is important to remember several things.

    • Make sure your doctor, hospital, and auxiliary care are within the network to avoid paying higher costs.
    • There will be a co-pay
    • Most plans have Part D “built in” (A nice bonus!) Be aware that when switching to Supplement from Advantage, you will also need to add a Part D.
    • Typically have value added benefits, like health club memberships, limited dental, eye and/or vision.

     

Plans can vary, even from county to county.

We strongly recommend that you talk to an independent insurance agent to help you choose the one that best suits your needs.

Request A Quote

There are ways you could save 30% or more on your group health insurance! Fill out the form to get the conversation started.

By completing this form you agree that a licensed insurance agent may contact you by phone or email to answer any questions you have regarding Medicare Advantage, Part-D prescriptions or Medicare Supplement plans. This is a solicitation for insurance.

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2 Ways to Get Prescription Drug Coverage

while on Medicare

Medicare Prescription Drug Plan

Part D

These plans, sometimes called PDPs, add drug coverage to original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.

Medicare Advantage Plan

Part C

Medicare Advantage plans from an HMO, PPO, or other Medicare health plan that offer Medicare prescription drug coverage can ensure your needs are met. You get all of your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage, and prescription drug coverage - Part D, through these plans. Medicare Advantage Plans with prescription drug coverage are sometimes called MA-PDs. You must have Part A and Part B to join a Medicare Advantage Plan.

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Frequently Asked Questions

Online at SSA.gov or in person at a local Social Security office.

No.

Part “C” is another name for Medicare Advantage. Also named MA, MSA, or MA-PD (when prescriptions are included).

Part 'D' is the Prescription Drug plan Medicare, introduced in 2006.

This is a Medicare term that establishes previous coverage being at least as good as Medicare’s. Typically is in play for Part “D” to avoid penalty.

In addition to having a huge gap in coverage, you will likely face a penalty from Medicare. For example, a Part 'B' penalty can be 10% of your premium for each 12-month period outside of Medicare.

No, a retiree plan will typically wrap around Medicare primary benefits.

No. But some Advantage plans offer limited dental coverage.

Yes, for up to 100 days, after a required three-day hospital stay.

You usually can. It’s important to be sure your doctor accepts Medicare. Some don’t.

Maybe. If the employer group has 20 eligible employees or more, and you’re going to continue to work, then yes it’s an option. But there are many things to consider.

Medicare does not have spousal or dependent coverage. Medicare is individual. If your spouse has reached age eligibility (65), then they can enroll in Medicare of their own accord 90 days in advance of the month they turn 65.

Assuming you have met the work-related eligibility requirements, you may begin enrollment into Medicare 90 days in advance of the month you turn 65.

Understanding Medicare

The more you know about Medicare the more you can plan for what is right for you and your family.

Understanding Medicare Enrollment Periods

How Medicare Protects You Traveling Abroad

Deciding to Enroll in Medicare Part B

Medicare Supplemental Insurance for People Under 65

Get Started with Medicare Coverage

Our company represents a number of the top carriers for supplemental Medicare. We can help you review your unique situation and offer you a variety of carrier products and plans to consider to protect your health and your savings.