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We offer multiple options for all your insurance needs and you are guaranteed to receive our services free of charge. Reach out to us today and let’s talk about all your options.
Also known as Medigap, Medicare Supplement Plans are used to lower any out-of-pocket costs you may have from Original Medicare.
Medicare Advantage Plans, also known as Medicare Part C, offers you the same benefits as Original Medicare, with additional benefits that cover other costs not covered by Medicare.
Since Original Medicare doesn’t cover prescription costs, you’ll need a plan that does. Medicare Part D will cover any necessary drugs so you don’t have to.
Final expense insurance is a type of life insurance policy designed to cover the costs associated with passing away.
With over 30 years of experience, we can break down the Medicare process for you and make it more simple so you understand the choices and information handed to you.
We have acquired an abundance of knowledge, and we’re eager to share this expertise with you in the form of articles and blog posts.
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We believe in empowering people to take ownership of their healthcare. Choosing the best plan for you based on your individual needs is the first step.
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Medicare Part D is an optional part of Medicare. Part D refers to prescription drug coverage, which is, in large part, not covered by Medicare Parts A and B. This means that without Medicare Part D, you would be paying the full cost for prescription drugs. Depending on whether you have a gap plan, veteran plans, or Medicare Advantage, you may already have prescription drug coverage.
There are two ways to obtain Medicare Part D. First, you could enroll in Original Medicare and then add a Medicare Prescription Drug Plan (PDP). Second, you could join a Medicare Advantage Plan or other health plans that have prescription drug coverage in their plan.
There are costs associated with prescription drug coverage. You will most likely have a monthly premium. If you choose the second method of obtaining prescription drug coverage, your Medicare Advantage Plan monthly premium may already include the prescription drug premium. Some plans have a yearly deductible. Additionally, you are responsible for copayments and coinsurance after the deductible, if applicable.
We are not connected with or endorsed by the United States government or the federal Medicare program.
If you do not join a Medicare drug plan when you are first eligible, do not have any other coverage, and would still like to join later, you will likely pay a late enrollment fee for joining late. This late fee is explained in more detail here.
Your monthly premium for part D is also dependent on your income. If you make above $87,000 if you file individually or $174,000 with joint filing, you will pay a higher amount for your monthly premium. This extra amount most often comes out of your Social Security check.
While Part D often comes with monthly premiums, it is a great way to avoid paying the full cost for prescription drugs.
We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.