Medicare
Turning 65? Or already on Medicare? Or in the Donut hole or have out of pocket costs for prescriptions? We can help save you money. There really are big differences in out of pocket cost among products offered to those on Medicare. We offer both traditional Medicare Supplement policies statewide (also known as Medi-Gap policies) and Medicare Advantage policies (not available in all counties). We will explain the options and let you choose what is best for you and your specific situation. We also offer a free drug discount service that can save hundreds per month for those paying out of pocket for most prescriptions drugs.
Most clients who choose Medicare Supplement do so for one or more of the following reasons:
1. They want to be able to go to any hosital or doctor anywhere in the USA and don't want to be limited to a network.
2. They don't want to the hassle of messing with co-pays, co-insurance, deductibles or any out of pocket expenses; they just want to pay their premium and know tha if it is covered by Medicare, then it is covered.
3. They are concerned that they may not qualify healthwise later on for Medicare Supplement so they are insuring their right to get it. Only when turning 65, everyone qualifiies for Medicare Supplement regardless of health so consider your options carefully. We offer policies from most of the best named companies that have worked with seniors for decades. Most clients choose Plan F.
Advantage products have lower premiums in exchange for having co-insurance, co-pays everytime you see a doctor, deductibles and maximum out of pocket expenses in any one year usually in the $3500 to $5000 range and limit all but emergency and urgent care to a limited local network of doctors and hospitals and preauthorizations are needed to see a specialist. In addition to having premiums lower than Medicare Supplements, Advantage products offer many preventative screenings free of charge.