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We are here to help you get better informed and make educated choices to fit your needs. Whether you are healthy or an individual with pre existing medical conditions the information and links below were chosen to better inform you. If you prefer to speak to a person please feel free to call.

Medicare turns 50 (1965) it was designed to provide seniors with a peace of mind. Please be awarethat Medicare has limitations and deductibles. Please refer to the Medicare & You 2016 the official U.S. Government Medicare Handbook. 

  • Things to be aware of Coverage and costs change yearly.
  • Open Enrollment Period October 1, to December 7th. If you find a plan that better suits your needs or budget this is your window of opportunity to make a change. New coverage if you make a change begins January 1, of the following year.

Medicare coverage's (click here):

  1. Original Medicare includes Part A (Hospital Insurance) and or Part B (Medical Insurance) You or your supplement plan pays the decuctibles and coinsurance.  Premiums are ususlly paid on a monthy basis for Medicare Part B.
  2. Medicare Prescription Drug Plan (Part D): These plans are un by private companies that are approved by Medicare.
  3. Deductibles and cost (click here
   4. Open enrollment: During this annual enrollment period (AEP) you can make changes to your coverage (October 15 to December 7th.) (click here)

What you should consider before choosing or changing coverage

  • Qualifications - You should be eligible for Medicare at the age of 65 if: 

    1. You are a U.S. citizen or legal resident
    2. You have resided in the United States for a minimum of five years
    3. Worked at least 10 years in Medicare-covered employment

  • Convenience -

    Where are my doctors’ offices? Are they accepted? Are the pharmacies you use in the plan? If it is in the network does you pharmacy offer preferred cost sharing?

  • Cost -

    How much are your premiums, deductibles, and other costs? How much do you pay for services; hospital stays or doctor visits? Is there a yearly limit on what you pay out-of-pocket? Costs may vary and may be different if you don’t follow the coverage guidelines. Coverage How well does the plan cover the services you need?

  • Doctor and hospital choice 

    Do your doctors and health care providers accept the type of coverage you have? Do you need to get referrals? Do you have to choose your hospital and health care providers from a network? Is your doctor in the network? Can you go outside of the network?

  • Prescription drugs

    Do you need to join a Medicare drug plan? Are your drugs covered under the plan?Are there any coverage rules that apply to your prescriptions (prior authorization, step therapy, quantity limits, etc.).

  • Quality of care -

    Are you satisfied with your medical care? The quality of care and services offered by plans and other health care providers may vary. Medicare has
    information to help you compare how well plans and 
    providers work to give you the best care possible. 

  • Travel 

    Will you have coverage in another state or outside the U.S.?

  • Your other coverage 

    Do you have, or are you eligible for, other types of health or prescription drug coverage from a previous or current employer or union? If so, read
    the materials from your insurer or plan, or 
    call them to find out how the coverage works with Medicare. If you have coverage talk to your benefits
    administrator, insurer, 
    plan before making any changes to your coverage. If you cancel your coverage, you may not be able to get it back.

Do you have a Pre Existing Condition? (click here)

As you will learn Medicare has its limits. It is important to determine your needs before choosing a Medicare Supplement (Medigap) insurance plan. If you are confused please feel free to contact or call us (866/374-0002) to help you get better informed. See Medicare Supplements (click here)

Power Point Presention (click here)

  • Due to many Insurance Companies selling Medigap and Advantage policies we are unable to advise until we are aware of your needs.

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