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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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Call us at 1-844-633-5239 to schedule an appointment.
Medicare Parts A and B do not include prescription drug coverage. This is where Medicare Part D comes in. Medicare Part D is an optional prescription drug coverage component of Medicare. Consumers can add Part D on to Original Medicare or choose to incorporate prescription drug coverage into their Medicare Advantage Plans. In either case, the exact drug formularies vary by plan and network.
Just as Part D offers extra benefits, it also incurs extra costs. These costs depend on the plan, but generally, they involve some combination of a monthly premium, a yearly deductible, copayments and coinsurance, and a late enrollment fee.
To avoid the late fee, consumers should enroll in Part D during their Initial Enrollment Period, enroll in a Medicare prescription drug plan if they lose other coverage, and keep records showing that they had drug coverage.
We are not connected with or endorsed by the United States government or the federal Medicare program.
Part D covers prescription drugs and catastrophic coverage. The particular medications that are covered differ depending on the plan. Each plan categorizes drugs into different tiers on their formulary. Each tier has a different cost and a different amount of coverage. Lower tiers have lower costs, and higher tiers are more expensive medications. Contact your plan to learn more about your exact formulary.
Additionally, Part D plans include catastrophic coverage once the deductible is met. This means that you only have to pay coinsurance or copayment for covered drugs for the rest of the year.
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.