Medicare Solutions

Medicare Advantage Part C

Medicare Advantage plans provide all your Part A and B coverage plus extra supplemental benefits that Original Medicare doesn’t cover- such as prescriptions (Part D), dental, vision, and hearing coverage. Many plans also allow an over-the-counter benefit and a free gym membership.

The real win? It often comes with lower out-of-pocket costs and covers services that Original Medicare doesn't. Medicare Advantage plans provide a maximum out of pocket ceiling to bridge your gap of the 20% Original Medicare doesn’t cover. If you want comprehensive healthcare coverage with potential savings and all the extras, Medicare Advantage could be right for you.

Medicare Part D

Medicare Part D is a prescription drug coverage program offered by private insurance companies approved by Medicare. It helps beneficiaries pay for the cost of their medications. Part D plans vary in formulary coverage and cost, allowing individuals to choose a plan that best fits their prescription needs and budget.

Beneficiaries pay a monthly premium and may also have deductibles, copayments or coinsurance for medications. Part D is essential to have as either a standalone plan or as part of your Advantage plan. If you are eligible for Medicare and do not have workplace insurance or VA benefits, you may incur a penalty if you delay in signing up for Part D without credible coverage.

Do you need Extra Help? Are you struggling to pay for your Part B Premium ($174.70 in 2024)?

There are programs available to help those with limited income and/or limited resources. These programs are federally funded and if approved, can help cover your Part B premium, provide extra benefits (such as the food card money you see advertised on TV), lower medication costs, and many other health savings.

If you need extra assistance, I’d be happy to help walk you through the programs and application steps.

Medicare Supplements

Medicare supplements, also known as Medigap plans, are private insurance policies designed to help pay your share of the Original Medicare out of pocket costs (your leftover 20% on deductibles, copayments, and coinsurance). These plans are purchased from a private insurance company and require members to pay a monthly premium.

Supplements have a vast network of providers and can be used anywhere Original Medicare goes. Supplements are streamlined; a Plan G (or any letter) at one company is the same at another company. The only difference is price and if they offer extras like a gym membership.

Note: Plan C & Plan F aren’t available if you turned 65 on or after January 1, 2020, and to some people under age 65. You might be able to get these plans if you were eligible for Medicare before January 1, 2020, but not yet enrolled. Learn more about who can buy this plan.

*Plans F & G offer a high deductible plan in some states.

**Plans K & L show how much they'll pay for approved services before you meet your out-of-pocket yearly limit and Part B deductible. After you meet them, the plan will pay 100% of your costs for approved services.

***Plan N pays 100% of the costs of Part B services, except for copayments for some office visits and some emergency room visits.

We are not connected with or endorsed by the United States government or the federal Medicare program. Plans are insured or covered by Medicare Advantage (HMO, PPO, and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan in your area. Please contact medicare.gov or 1-800-Medicare to get information on all your options.

Call Today: 904.400.0346

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Medicare Solutions

Medicare Advantage Part C

Medicare Part D

Do you need Extra Help? Are you struggling to pay for your Part B Premium ($174.70 in 2024)?

Medicare Supplements

Medicare Supplements

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