Medicare & Beyond
Skilled Nursing Facility
Medicare Savings Program
Use these to fill the gaps from your core Medicare plan
Hospital Deductible Coverage
Skilled Nursing Facility Coverage
Doctor and Outpatient Coinsurance Coverage
Excess Charges Coverage
Foreign Travel Coverage
Prescription Drug Plans
Let us educate you on Part D (Prescription Drug) Plans
How to get an Rx plan
What Medicare Part D drug plans cover
Costs for Medicare drug coverage
How Part D works with other insurance
Medicare Advantage Plans
Let us educate you on M.A. Plans
Combines Part A & B
Includes Rx Coverage
Dental, Hearing, & Vision Coverage
Dual Special Needs Plans
Part B provides outpatient/medical coverage.
- Medically necessary services or supplies that are needed to diagnose or treat your medical condition and that meet accepted standards of medical practice.
- Preventive services to prevent illness (like the flu) or detect it at an early stage, when treatment is most likely to work best.
Medicare Part C, also known as Medicare Advantage, is offered by private insurance companies. These plans cover health care costs the same way original Medicare covers them, and in many ways even better. They also offer other benefits and services that original Medicare will not cover. In many cases, these plans also include Part D coverage.
As a note, Medicare Supplements and Medicare Advantage plans do not work together. If you have a Medicare Supplement and you are purchasing a Medicare Advantage policy you will want to cancel you Supplement when the Advantage plan is in force.
For more detailed information on which type of plan would work for you please contact me.
Medicare Part D, the prescription drug benefit, is offered through many private insurance companies and covers most prescription drugs. Each plan offers it’s own formulary, or list of covered drugs. Each individual plan may differ from the others.
Most Medicare drug plans have a coverage gap (also called the “donut hole”). If you fall into the gap during the calendar year there will be a temporary limit on what the drug plan will cover.
The coverage gap begins after you and your drug plan have spent a certain amount for covered drugs. In 2019, once you and your plan have spent a combined amount of $3,820 on covered drugs, you’re in the coverage gap. This amount may change each year. Also, people with Medicare who get Extra Help paying Part D costs won’t enter the coverage gap.
Available For You
Schedule an appointment for a time that works best for you
Our professional agents have years of experience and are here to help every step of the way
No cost to sit down with us and go over plans – we simply want to help guide you to pick the right plans.