Resources

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.

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