Frequently asked Questions

-Taken out of SS Check (recommended if drawing SS)

-Pay annually via mailing a check to the company ($9.60 premium X 12 = $115.20)

-Set up automatic bank draft with insurance company 

No, Premiums are the same whether you use an independent broker or get your policy directly through the insurance company.

Advantage pans usually have Part D drug coverage included, while Supplement plans only cover Medicare Part A and B services. Clients with Original Medicare and a Supplement Plan must add a stand alone Part D Drug plan for drug coverage. Each plan covers prescriptions differently. 

No, Medicare Supplement policies (Medigap) only cover what Original Medicare A and B approve, which does not include dental & vision. The only procedures covered under Medicare A and B related to dental/vision are those that would be deemed "medical" and "medically necessary" or approved by Original Medicare A & B.  You can add a separate stand alone dental vision policy to go with your Supplement Plan and stand alone Part D plan. 

With a Medicare Supplement, show your red, white and blue Medicare card along with your Supplement card, and your Part D card at the pharmacy. With a Medicare Advantage plan, show your Advantage plan card (it usually covers your prescriptions too) and keep your Medicare card in a safe place.

Compare. Sit down with us and do a cost benefit analysis of employer coverage vs. Medicare options

If you plan to work past 65, you may be able to delay enrolling in Medicare. Or, you may have to enroll during your Initial Enrollment Period in Parts A, B and D if you want to avoid late penalties.  It will depend on your employer and if your employer coverage is creditable. 

Some people who can delay Medicare still choose to enroll in just Part A when they turn 65 in addition to their employer coverage. Part A is premium free if you or your spouse worked and paid Medicare taxes for at least 10 years. Note though, if you do get Part A, you can no longer contribute to your HSA.

A Medicare Advantage HMO plan usually helps pay only for care you receive from providers in the plan network. A PPO plan will generally help pay for care received outside the plan network, but it may pay less than for the same care received within the network. HMO's generally have lower out of pocket costs than PPO's. 

No. Our services don't cost you a penny. We get paid by the insurance companies. It costs you the same whether you go directly through the insurance carrier or through a.broker with all the options. 

Don't pay it yet. Many letters are an Explanation of Benefits (EOB) or a Medicare Summary Notice, which are not bills. If you do get a bill, make sure it was sent to Medicare and your plan first. Still not sure? Send us a photo or copy and we'll help you sort it out.

Medicare Supplement premiums typically increase each year, often around your policy anniversary. Medicare Advantage and Part D plans can change their benefits and costs every January. You can change Advantage and Part D plans during the Annual Enrollment Period (October 15 - December 7). Supplement changes may require health questions. Give us a call and we'll review your options.

Let us know right away. Medicare Advantage and Part D plans are based on where you live, so a move can change your plan options and gives you a special window to switch. Supplement plans generally move with you, but rates can change by location. For address, bank draft, or payment updates, you can also call the member services number on the back of your insurance card.