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MEDICARE OPTIONS

Confused, by all the information you receive about your choices with Medicare and how to choose the right health and drug plan that is most economical for your situation?
Do you know your guarantee issue rights? Are you like most folks struggling with other common questions such as:

  • I’m still working so can I keep my employer plan?
  • Do I need to take Part B or can I delay it?
  • What are the differences between Medicare Supplements and Medicare Advantage Plans?
  • How can some companies offer a $0.00 monthly premium plan?
  • How do different policy ratings affect my premium increases from year to year?
  • What is Part D and the possible penalty involved?

If so, my goal is to help you feel relaxed and confident with these sometimes complicated decisions. Medicare is a helpful program, yet it wasn’t intended to pay all medical costs.

Call me today at (614) 899-0992 to simplify your future health care planning & protect your assets with the right coverage for your situation.

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If you’re already enrolled in a plan and want to compare your current coverage, I offer a free phone consultation.


MEDICARE SUPPLEMENT PLANS

Medicare Supplement Plans, many times referred to as Medigap plans, are offered through private insurance companies and are standardized by the Centers for Medicare and Medicaid Services (CMS). These plans help “fill in the gaps” of Original medicare by helping to pay some of the costs associated with Medicare Part A and B such as coinsurance and deductibles.  In some cases they may also cover certain expenses that Medicare would not.

MEDICARE ADVANTAGE PLANS

Medicare Advantage Plans, or Part C, are also offered and run by private insurance companies.  While these plans are approved by CMS they are not standardized so seniors have a variety of options to choose from including PPO, HMO and PFFS plans.  In addition to offering coverage at least as good as Original Medicare they often times have added benefits such as wellness programs, vision, dental and hearing exams and drug coverage.

PRESCRIPTION DRUG PLANS

Prescription Drug Plans, or Part D offers prescription drug coverage to everyone with Medicare.  These plans are also run by private insurance companies and regulated by CMS who has set a standard for the minimum coverage that can be offered.  There are a variety of plan designs to choose from that may incorporate copayments, coinsurance and/or a deductible.  As with Part B it is important for seniors to enroll in Part D plans as soon as they are eligible to avoid a late enrollment penalty.

MEDICARE DISABILITY PLANS

Contact us to explore eligibility and available plans.

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