Independent Life and Health Agent
Medicare
Your Health is your most important asset.
Sorting through the maze of Medicare can be frustratingly complex and yet choosing the right plan is one of the most important decisions you can make upon retirement.
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Medicare is not a "set it and forget it" option. It is important to have an agent that every year will actively follow the plan you choose to make sure it still is the best suited for your needs.
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I can help you navigate through the maze so you can be confident that you made the right choice and are still on the plan best suited to fit your current health.
Medicare Supplements Plans
Medicare Supplement Plans (also know as Medigap plans) are the "letter name plans" such as Plan G or Plan N.
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They are intended to cover what is not covered by Original Medicare (Part A and Part B).
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Since you cannot be on both a Medicare Supplement plan AND a Medicare Advantage plan, it is crucial to make the right choice.
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​Medicare Supplement plans allow you to see any doctor who accepts original Medicare. Although the premium is higher than Medicare advantage, they are the most flexible in terms of accessing the treatment you need since it is you and your doctor, not an insurance company that decides what treatments you need.
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Medicare Advantage ("Part C")
Medicare Advantage plans (also known as Part C) are the plans most people are familiar with- mainly due to advertising and their popularity with large employers.
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They are intended to replace Original Medicare (Part A and Part B) and so are managed by private insurance companies rather than the government.
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It is important to know if your doctor/medical center accepts the insurance plan. I can help you find a plan that your physicians accept.
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They often they come with extra benefits such as dental/vision/prescription drug plans and other perks.
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An important point about Medicare Advantage plans is that they DO NOT require underwriting- so people who have pre-existing conditions will not be disqualified.
Dental/Vision/Prescription Drug Plans ("Part D")
Unlike many Medicare Advantage Plans, Medicare Supplement plans do not include include Dental, Vision and Prescription Drug coverage (Medicare Part D).
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These are stand-alone supplement plans that often use a network of dentists/vision clinics/pharmacies similar to Medicare Advantage plans. If you have a dentist, optometrist, or pharmacy that you like, it is important to make sure that they accept the plan you are choosing.
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Some of the Carriers Represented
