The best of care at a price you can afford

Medicare Advantage/Part C   |  Medical Supplements   |   Prescription Drugs/Part D   |  Dental/Vision/Hearing Plans

I can help you apply for the coverage you need at a price you can afford.
Not sure if you’re eligible for help?
I can help you choose the a Medicare alternative or obtain coverage for your extra expenses.

Before choosing a plan I want to be sure you know the difference between your many options; In particular how Medicare Supplements and Medicare Advantage Plans differ. Many people sign up for Advantage Plans thinking they are Supplements, they are not.

A Medicare Supplement is used with original Medicare. Any caregiver that accepts Medicare will take a Supplement because they only need to bill Medicare. Medicare pays their part (generally 80% of Medicare covered benefits) and sends the remainder of the bill to the Supplement which pays their part (generally 20%). It is important to note that Supplements do NOT include Prescription Drug Coverage (Part D, PDP) and for those that do not get a PDP when first eligible there will be a penalty when they do get a PDP. (there are exceptions to this) A Medicare Supplement does not change year to year (although the cost does generally go up the coverage does not change).

A Medicare Advantage plan works differently than a Supplement. With a Medicare Advantage Plan a private company TAKES OVER for Medicare (you remain in the Medicare system but Medicare is no longer responsible for your bills). You MUST continue to pay your Part B Premium. These plans follow the same type of module as many group plans such as HMO or PPO. With this type of plan it is important to remember several things. First, most Advantage Plans have Networks so you want to make sure your Doctor, Hospital, and auxiliary care are within the network. Second, Advantage Plans have co-pays associated with them. Third, most Advantage Plans have the Part D “built in” which is a nice bonus but you must be aware that when switching to a Supplement from an Advantage Plan you will also need to add a Part D. (there are several types of Advantage Plans that do NOT have the Part D built in so this is something you need to keep in mind when choosing any plan). Lastly, Advantage Plans typically have value added benefits! Benefits can vary between plans but typical benefits include fitness membership, dental and vision, transportation assistance and home meal delivery.

Remember, not all Plan D’s are the same. Although they are required to be at least as good as the Medicare model they can vary greatly in costs, co pays and specific drugs that are covered. It is important to check which one suits you and continue to check each year because they (like Advantage Plans) do change every year.

Are you interested in exploring the possibilities offered by Medicare Advantage Plans?
Sometimes referred to as Medicare Part C Plans, these private insurance policies provide different coverage options than Original Medicare. I can help you consider the benefits and drawbacks of different plans. As an independent agent, I offer you honest and reliable guidance as you shop for health insurance.

Choosing an alternative to Original Medicare may seem like a challenge. I can simplify the selection process for you and explain the ins and outs. 

When you join a Medicare Advantage Plan you are taking yourself out of Original Medicare and contractually agreeing to follow the rules, regulations copayments, coinsurance and deductibles of the Medicare Advantage Plan you enrolled into. If your plan will not pay for your procedure Medicare will not step-in and pay for it either. You MUST continue to pay your Part B Premium.
A Medicare Advantage Plan is a type of Medicare Health Plan offered by private companies contracted with Medicare to provide you with all of your Part A – Hospital Benefits, Part B – Medical Benefits and most of the time Part D – Prescription Drug Benefits. Medicare Advantage plans include plans like HMO Plans, PPO Plans, PFFS Plans, SNP Plans, and MSA Plans.

Wish you could get paid for spending time in a hospital -- as a patient?  Consider adding Hospital Indemnity to Your Medicare Advantage! 
As deductibles, co-insurance and copay fees become more expensive, more people and employers are turning to hospital indemnity insurance to cover their out-of-pocket expenses if they are hospitalized. Even if you have full coverage wouldn't it be nice to have money to cover household bills during your stay? Available year-round and not just during open enrollment. If you decide you would like additional benefits or are concerned you won’t be able to afford your major medical deductible, a hospital indemnity plan may be worthwhile for you.

It’s Not Health Insurance, But It Makes Health Insurance Better. Health insurance pays for specific medical services after deductible or copayment amounts are satisfied. By contrast, hospital indemnity insurance triggers payments when specific events associated with hospital visits occur.

A type of supplemental insurance, hospital indemnity plans pay out when a policyholder checks into a hospital for an overnight stay, entitling him to claim a certain amount – say $250 – against the policy. For each additional night’s stay he can add another $250 on top. A three-day sojourn at the local infirmary would entitle him to $750 and so on.

In addition to a hospital per diem, a more robust plan might feature payments per ambulance trip, surgery or maternity visit, or increased payments for intense ailments such as stroke or cancer. Benefits can disburse in lump sums for short admittances or on a daily or weekly basis during longer visits.

Monthly costs for individual hospital indemnity coverage for the young and healthy start at about the cost of buying a sandwich. Premiums increase as policyholders age and add family members.

For example, a 30-year-old individual with a $100-per-night hospital indemnity plan can expect to pay less than $5 per month to maintain coverage. By contrast, a 55-year-old family man with a $250-per-night plan might pay up to $40 or more.


Choose the Tier That’s Right for You! Do you take prescription drugs?
If so, I have good news: When you become eligible for Medicare, you’ll have the option to enroll in Medicare Part D. This benefit will serve as your government-sponsored prescription drug plan.

However, the quality of your particular plan will depend on several factors – including your medical needs. 

You MUST continue to pay your Part B Premium.

You MUST have Part A and/ or Part B.

You are NOT required to enroll into a Prescription Drug Plan (PDP); however, if you do not elect to get one and do not have credible (Rx coverage as good as Medicare’s) you will be subject to a Part D Late Enrollment Penalty.

A stand-alone Medicare Prescription Drug Plan (PDP) or Rx coverage is for current needs. The pricing for PDP’s vary wildly!
Stand-alone Medicare Prescription Drug Plans are offered by Insurance companies and other private companies approved by Medicare.

All Medicare Drug Plans must at least give a standard level of coverage set by Medicare. These types of plans are NOT compatible with Medicare Advantage Plans with one exception… PFFS plans without Rx coverage.

Under Medicare Part D, prescription drugs are divided into five tiers, including:

  • Preferred generic
  • Generic
  • Preferred brand
  • Non-preferred brand
  • Specialty

I can determine how your prescription needs will affect your insurance premium. I'll make sure you have the information you need to make a wise decision about health insurance.  Let me assist you as you navigate your options for prescription drug coverage. I will offer you honest and reliable guidance.


Are you interested in a Medical Supplement to your Medicare?

These plans are neither affiliated nor connected to Original Medicare. You MUST continue to pay your Part B Premium.

A Medicare Supplement Insurance policy (Medigap) does NOT have Part D prescription drug coverage, so please be advised that you will need to purchase a stand-alone prescription drug plan (PDP) to go along with your Medicare Supplement Insurance policy.

A Medicare Supplement Insurance policy (Medigap) is sold by private Insurance companies. These types of Insurance policies help pay some or all of the healthcare costs that Original Medicare doesn’t cover like co-payments, co-insurance, and deductibles. Some Medicare Supplement Insurance polis may also offer coverage for services that Original Medicare doesn’t cover like medical care when you travel outside the U.S.

If you prefer to stay on Original and purchase a Medicare Supplement Insurance policy, Medicare will 1st pay its share of the Medicare-approved amount for covered health care costs, then your Medicare Supplement Insurance policy pays its share. Depending on the type of plan you may or may not have anything left to pay.

Medicare is a vital resource for people across the country. However, it doesn’t always cover the total costs associated with a senior’s medical care. Fortunately, I can help you obtain the additional coverage you need to afford your copayments, deductibles and other expenses. I work hard to find you the comprehensive Medigap coverage you need to stay healthy without going broke. I can connect you to a variety of Medigap insurance policies. During your initial phone consultation, I'll record some of your basic information, including your:

        • Age
        • Health status
        • Employment status

This information will allow me to begin building a custom plan for your Medigap coverage. I'll take into account your health issues, drug prescriptions and other factors. You’ll work hand-in-hand with me to determine the absolute best plan for your needs. 

Click here to get quotes for Medical Supplement plans.


Dental/Vision/Hearing Plans

You MUST continue to pay your Part B Premium.

You are NOT required to enroll into DENTAL/ VISION/ HEARING PLANS

Original Medicare covers limited dental/ vision and hearing benefits. Most Medicare Advantage Plans comes with an option to add these benefits. On the other hand, a Medicare Supplement Plan doesn’t have an option to add these benefits to the Original Insurance Policy. You must buy these types of plans separately.

Make an informed decision about your health insurance. Call 903-721-1714 today to learn more.