Understanding your needs
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Look for coverage that works for you.
Look for coverage that works for you.
Frequent doctor visits can get costly. How often do you visit the doctor, in general?
Under Original Medicare (Parts A & B), you’re responsible for 20% of most doctor service costs after meeting the Part B deductible. Many Medicare supplement plans cover this expense entirely.
With Medicare Advantage plans, you typically pay a modest copayment per visit; deductibles might apply depending on your plan.
These plans come with an annual out-of-pocket limit, providing financial security, unlike Original Medicare, which lacks such a cap.”
Are the medications you regularly take covered?
Many prescription drug plans and Medicare Advantage plans with drug coverage maintain a formulary, listing covered drugs.
If your medications aren’t on the list, you might incur additional costs.
Do you have a particular doctor, hospital or pharmacy that you want to use?
Numerous Medicare Advantage plans collaborate with specific networks of healthcare providers and pharmacies.
Going outside this network might result in higher costs.
In contrast, Original Medicare and the majority of Medicare supplement plans offer nationwide coverage without restricted networks.
Frequent doctor visits can get costly. How often do you visit the doctor, in general?
Physicians who accept assignment agree to the Medicare-approved payment as complete compensation.
Those who don’t may charge above this approved amount, creating ‘excess charges.’
Certain Medicare supplement plans cover these additional costs.
Do you have other health coverage, such as through an employer, a union or the military?
Medicare can coordinate with your existing health coverage.
It’s crucial to consult your plan administrator before making any decisions to ensure seamless integration
Would you rather pay less in monthly premiums or pay less out of pocket when you receive health care?
As a rule, when premiums increase, out-of-pocket expenses such as deductibles, copays, and coinsurance tend to decrease.
Conversely, lower monthly premiums could lead to higher out-of-pocket costs.
It’s crucial to consider all expenses, not just premiums, when comparing different coverage options.
Our agency focuses on Medicare-related insurance solutions, offering expertise in Medicare Supplement (Medigap), Medicare Advantage, Medicaid, Stand-Alone Part D Prescription, dental, final expense, individual, and long-term care plans. We specialize in guiding individuals towards suitable healthcare options tailored to their needs.
Our Services
We assist Medicare-eligible individuals in understanding the fundamental aspects of Medicare and guide them through their Medicare journey. Our goal is to help them make informed decisions, choosing the option that aligns best with their specific needs and requirements.
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