Quick Start Your Medicare Knowledge by Scheduling a “Making Sense Out Of Medicare” personalized consultation. This can be done over the phone, via ZOOM or at our office located at 1925 Grand Ave. Suite 132.

You can schedule this whenever is convenient for you by simply calling our office and choosing a time most convenient for you. At this meeting, there is absolutely NO SELLING, just helpful information. We are able to look at the options you have to help you know which direction may work best for you.

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Medicare does not cover everything

Original Medicare (Parts A and B) were designed to provide basic medical coverage. If you rely on Medicare alone, you could come up short.

There is a Part A (Hospital) Deductible that is owed each “benefit period.” There is a per-day fee for hospitalizations lasting more than 60 days.

There is a Part B (Medical) Deductible that is owed each year plus 20% of all remaining costs incurred outside of the hospital.

These costs can add up fast!

Medicare does not cover routine dental, vision or hearing. There are additional options available to you to assist with your cost of care.

How To Cover The Expenses Medicare Doesn’t

You can get additional coverage that meets your individual needs and helps protect your finances from the rising cost of medical care.

Know your options.

When you become eligible for Medicare Parts A and B, you can choose added coverage from a private insurance company approved by Medicare:

MEDICARE SUPPLEMENT PLANS cover some of the expenses not covered by Parts A and B and do NOT include prescription coverage.

Medicare Supplement + Prescription Drug Plan

Medicare Supplement Plans

Medicare Supplement plans help cover medical expenses Original Medicare doesn’t. Also referred to as “Gap” or “Medi-Gap” plans. The plan names are oftentimes confused with parts of Original Medicare as they are named alphabetically as well. Example: Plan G, Plan K, etc. Medicare Supplement plans NEVER include prescription drug coverage, so you need to add that to your insurance folder to be covered appropriately.

  • Parts A and B are administered by Medicare; your supplemental coverage is administered by your insurance company
  • Plans are available to fit a wide range of budgets and needs
  • Covers many out-of-pocket expenses
  • Plan benefits are standardized by the government (Every Plan G is identical in coverage)
  • Medicare Supplement plans never include prescription drug coverage

Prescription drug coverage (Part D)

A prescription drug plan helps lower your out-of-pocket costs for your prescriptions. If you don’t sign up for a Prescription Drug Plan when you are first eligible, you will have a Late Enrollment Penalty (LEP) assessed every month once you are able to add one.

  • Medicare Supplement plans never include prescription drug coverage
  • Most Medicare Advantage plans include Part D coverage.
  • Can be purchased separately — with or without a Medicare Supplement plan

PRESCRIPTION DRUG PLANS help pay for medications prescribed by your doctor. (also known as Part D)

MEDICARE ADVANTAGE PLANS combine coverage for Part A and Part B with added benefits and oftentimes includes prescription drug coverage. (also known as Part C)

Medicare Advantage Plans (Part C)

  • These “bundled” plans combine coverage for Part A and Part B with added benefits (also known as Part C).
  • Sometimes Medicare Advantage Plans are called “MA Plans.”
  • These plans are oftentimes an “all in one” alternative to Original Medicare.
  • They are offered by private companies approved by Medicare.
  • Many Medicare Advantage Plans include prescription drug coverage (Part D) and are referred to as “MAPD.”

Medicare Advantage plans frequently offer additional coverage for things Original Medicare doesn’t cover, such as: Vision, Hearing, Dental, Fitness Programs, Over the Counter Items and even Meal Delivery after hospitalization.

Answers to Frequent Questions About Medicare

Can I keep my doctor when I’m on Medicare?

With a Medicare Supplement plan, you can use any doctor who accepts Medicare nationwide. With a Medicare Advantage plan, you can use any doctor who participates in your plan’s network.

How do I avoid paying a Late Enrollment Penalty?

There can be late enrollment penalties on both Part B and Part D. However, if you enroll when you are first eligible you will not be penalized.

If I have coverage through my employer, do I need to sign up for Medicare?

If your coverage through your employer is deemed “creditable coverage” you can keep it. However, when you do elect to go onto Medicare you need to follow the appropriate steps to ensure you are not charged a late enrollment penalty. (Do NOT accept COBRA when you are eligible for Medicare.)

Will Medicare cover my prescription drugs?

Original Medicare (Parts A and B) does not cover prescription drugs. However, private insurance companies offer prescription drug plans (Part D) that help cover the cost of generic and brand name drugs.

Can any insurance company offer additional Medicare coverage?

No, an insurance company and its rates must be approved by the state in which it sells Medicare plans. And the plans it sells must be approved by the federal government.

When can I enroll in Medicare?

You are eligible to enroll in Medicare beginning three Months before your 65th birthday or 24 months after being deemed “disabled” by Social Security.

When will my coverage start?

If you enroll as soon as you’re eligible, your coverage typically begins first day of your birthday month.

What is IRMAA (Income Related Monthly Adjusted Amount)?

If your Modified Adjusted Gross Income is above a certain amount, you may pay more for Part B and Part D.

Dental / Hearing / Vision / Life / Travel


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