Medicare is Our Focus!
Medicare Supplements, sometimes called Medi-Gap insurance, are designed to fill in the gaps where Medicare falls short. These plans have been around since the start of Medicare in 1965. Medicare Supplement plans are standardized and available in plans A-N. Standardized plans simply mean that two plans with the same letter will be the same coverage, no matter the company. With Medicare Supplement plans, Medicare remains your primary insurance.
A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include HMO's, PPO's, PFFS plans and more. If you’re enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren’t paid for under Original Medicare. Many Medicare Advantage Plans include the Part D, prescription drug benefit as well as other additional benefits.
Medicare Part D prescription drug coverage, often referred to as Part D, is provided and coordinated by Medicare-approved private insurance companies.
Any beneficiary who is eligible for Original Medicare, Part A and/or Part B, and permanently resides in the service area of a Medicare Prescription Drug Plan, can sign-up for Medicare Part D.
Medicare Part D coverage is optional, but if you don’t enroll in Part D as soon as you’re eligible, you might pay a late-enrollment penalty if you enroll later.