Which Medicare Plan Is Right For You

Many seniors are paying hundreds even thousands more in premiums for their Medicare-related insurance plans than necessary!

The Four Major Reasons

Medicare Supplement premiums may vary hundreds of dollars per year for the exact same plan from one company to another!

Medicare Advantage Plans can not only vary greatly in premium but also in out of pocket expenses such as co-payments and out-of-pocket annual maximums. Plans can be network oriented and may not cover the doctors and other medical professionals you want to use.

Prescriptions drug plans can also vary hundreds or even thousands in out of pocket expenses per year. Not to mention that some may require step therapy, have other restrictions, or even change their list of formulary medications from one year to the next!

You need a trained insurance professional who can help you with these complicated decisions.

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MEDIGAP POLICIES  CLICK HERE

Medigap policies are supplemental health insurance policies sold by private insurers, designed to fill some of the "gaps" in health coverage provided by Medicare. Although Medicare covers many health care costs, you still have to pay certain coinsurance and deductible amounts, as well as pay for services that Medicare does not cover.

Under federal regulation, there are 10 standardized Medigap policies termed plans: A, B, C, D, F, G, K, L, M, and N.

Medicare supplements allow a beneficiary, insured, to go to any physician or health facility nationwide that accepts Medicare payments.

MEDICARE PART A AND B  CLICK HERE

MEDICARE PART C - MEDICARE ADVANTAGE CLICK HERE

In 1997, the federal government created the Medicare+Choices program. This new program was designed to give Medicare beneficiaries access to a wide array of private health plans as an alternative to traditional Medicare part A and B. In 2003, it was renamed as "Medicare Advantage", as part of the Medicare Prescription drug, Improvement and Modernization Act.

MEDICARE PART D - PRESCRIPTION DRUG COVERAGE  CLICK HERE