Plans

Medicare Advantage

Private insurance companies (Humana, Aetna, United Healthcare, etc.) contracted by Medicare to provide this coverage. This is an alternative to original Medicare.

  • Medicare Advantage Plans are NOT Medicare Supplement insurance plans

  • Medicare Advantage Plans are available as HMO, PPO or PFFS

  • All Medicare Advantage plans offer maximum out of pocket protection

  • These plans must cover all benefits of Original Medicare

  • Can include Medicare Part D prescription coverage

  • Can include vision, dental, and hearing

  • Also known as Medicare Part C

Medicare Supplements

It goes with original Medicare and helps cover some of the cost Original Medicare doesn’t pay, such as coinsurance (20%) and deductibles.

  • Can go anywhere and to any doctor as long as they take Medicare patients

  • Does not include prescription coverage. Need to purchase a stand alone drug plan (Part D)

  • Guaranteed to renew every year even if you have health issues, as long as you pay the premium

  • Also known as Medigap coverage

  • These plans help cover the Medicare Part A and Part B deductibles as well as Medicare coinsurance

Medicare Part D

Available to all that have a minimum of Medicare Part A and/or enrolled in Part B. Medicare prescription drug plans (Part D) are only available from private insurance companies that have been approved by Medicare to offer them.

  • Usually has a formulary (list of covered drugs).

  • Most have preferred pharmacies to help save you money

  • Available as a stand alone drug plan (Part D) or can be included in a Medicare Advantage.

  • If you have a plan that already includes Part D you cannot buy a stand alone drug plan (Part D) .

Additional Plans Offered

Need further coverage? Ask us about our other plan types:

  • Dental

  • Cancer

  • Life Insurance

  • Hospital Indemnity

  • Vision

  • And More!