MEDICARE

Are you turning 65?

Are you turning 65?, disabled or have a chronic condition that qualifies you for Medicare? If so, you can apply for your Medicare Part A and B Right Here. Once you have received your Red, White and Blue Medicare Card, we can help you understand your options further.

Did you know that Medicare will only cover a portion of your medical bills? You have to pay deductibles and co-insurance on medical services and there are no caps to your out of pocket! Original Medicare Part A will cover some hospital expense and Medicare Part B will cover some outpatient expenses, but it is important to have a Stop-Loss cap.

We are here to help with a Part C, Medicare Advantage Plan or a Medicare Supplement Plan. Both of these options help cover some cost that you would be responsible for if you just had Medicare A and B. By adding a Medicare Advantage Plan or a Medicare Supplement plan, you can reduce your exposure to the high cost of health care! We can also help with Part D, the Prescription Drug Coverage.

A Medicare Advantage Plan, can be either an HMO or a PPO and will have networks of doctors. A Medicare Advantage plan generally incorporates the prescription drug coverage into the medical plan itself, so there is no additional premium. There are plans that have $0 premium! You just pay CoPays to a max out of pocket.

A Medicare Supplement Plan, does not have a doctor network. You can see any doctor that takes Medicare. This option generally has a higher monthly cost than a Medicare Advantage plan and you will also need separate drug coverage. These plans have a deductible and some copays, depending on the plan.

We can also help you with the following:

  • Dual Eligible Plans (if you qualify for Medicare and Medicaid)
  • Plans that can supplement your Tri-Care Plan

Let us help you choose the option that best fit your needs.