I offer tailored Medicare services to eligible clients. At age 64 1/2 at the latest you should be contacting me to begin planning for how Medicare will directly or indirectly effect you.
The following information is a brief overview of the types of products available:
Medicare Advantage plans are health insurance plans that are approved by Medicare, but run by private companies. A Medicare Advantage plan replaces Medicare Part A and Medicare Part B. It combines the benefits of both parts and in many cases adds a few extra benefits including optional prescription drug coverage and/or extended hospitalization. In most cases Medicare Advantage Plans requires you to pay a monthly premium in addition to the Part B premium you already pay.
Medicare Supplements (Medigap)
Medicare Supplement Insurance, also known as Medigap, provides coverage for services that are not covered in the original Medicare program (Parts A and B). The Medigap Plan is not designed to replace any Parts of Medicare. Instead it supplements medical coverage for things such as co-payments or coinsurance, deductibles and more. Medigap or Medicare Supplemental Insurance plans are standardized by the federal law, but these plans are sold and administered by private companies.
Medicare Prescription Drug Plan (Medicare Part D, Medicare PDP)
Part D Medicare Prescription Drug Plan is a stand-alone drug plan that adds prescription drug coverage to original Medicare. Medicare prescription drug coverage covers both brand name and generic prescription drugs at participating pharmacies. You must join Medicare Part D for coverage to begin.
Medicare Supplements | Individual Health Insurance
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