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Turning 65? Feeling like a lost mouse in the Medicare maze?
We understand that Medicare can be complicated to understand with so many moving parts, good thing you have the guidance and advice of the Masters. Go ahead, try us, see how easy getting your coverage needs met, no matter what those are.
Medicare
Your independent broker provides you with advice regarding all of the available plans in your area and helps you understand and know exactly what you are getting into before you decide to sign a contract.
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Better to call your agent directly on his cell phone rather than calling a 1-800 number in order to get terrible customer service. We pride ourselves for delivering Outstanding, personal, one on one customer service.
Medicare
Supplement
Think of Medicare as your basic health insurance if you're over 65 or have certain disabilities. But sometimes, Medicare doesn't cover everything, like deductibles, copayments, or other medical expenses. That's where a Medicare Supplement Plan steps in.
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It's like an add-on to your regular Medicare. It helps pay for the stuff that Medicare doesn't cover fully. So, if you have a Medicare Supplement Plan, when you go to the doctor or hospital, it can help pick up some of the costs that Medicare doesn't cover, saving you money out of your own pocket. These policies are also known as Medigap, because they cover the gap that Medicare doesn't cover. These are accepted by 99% of hospitals, doctors and providers.
Medicare
Advantage
Medicare Advantage offers a simple solution. This easy to understand plan combines your hospital and medical coverage (Parts A & B) into one.
May include prescription drug (part D) coverage.
Offered as HMO, PPO, and PFFS plans.
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Plus, many plans go above and beyond by including extras like vision, dental, and even gym memberships!
Medicare
Part D/Prescription Drug Plans
Think of it as a separate prescription drug plan that you can add to your original Medicare (Parts A and B) or to a Medicare Advantage plan. It's offered by private insurance companies approved and regulated by Medicare.
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With a Medicare Part D plan, you pay a monthly premium, and in return, you get help covering the cost of your prescription medications. These plans have a list of drugs they cover, called a formulary, and each drug might have a different cost depending on which plan you choose.
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So, in simple terms, Medicare Part D is like a special insurance plan just for your prescription drugs, so you don't have to pay full price for them out of your own pocket. Part D plans are offered like previously explained