What We Cover
Advantage Plans - All Types
Advantage plans take many shapes, HMO, PPO, HMO-POS, and more. An HMO plan uses doctors within a
network. PPOs and HMO-POSs allow you to see doctors outside of their network for a higher cost-share.
Advantage plans also have low MOOP (maximum out of pocket) limits that protect you in case of a catastrophic
event. Most Advantage plans also offer many ancillary products such as free gym membership, dental, hearing
and eye coverage. These types of plans have low premiums or no premium at all. There are even plans that
have a travel benefit to cover you out of your home service area for vacationing and snow-birds.
If you want a low cost plan that offers a lot, this is a great option.
Supplment or Medigap Plans
Medigap plans are a great option if you want freedom to see any doctor that bills for Medicare. In other words, you don't need to be in a network or have referrals. However, these plans come with a premium that typically go up around 3% each year. In addition, you don't have a lot of the ancillary benefits that an advantage plan has. If you travel a lot or don't mind a higher premium in order to direct your own care,
this may be a good fit for you.
Prescription Drug Plans (PDP)
PDP plans are added to your original or traditional Medicare. When you first get A & B, you will need to enroll into a part D or prescription drug plan. Failure to do so within your initial enrollment period could cause you to be subject to a late enrollment penalty.
Many Advantage plans have part D included with no deductibles. However, adding a Part D plan to complement your supplement plan, there will be a premium, as well as a deductible. To learn more fill out the form at the bottom of this page.
Whether you are just turning 65 and new to Medicare, coming off of an employer group plan or retirement plan,
just moved to a new county or state or just want to check out your options we would love to help.
The COMPARE PLANS button above can show you many plan options for your area. However, not ALL carriers participate on the platfiorm. PLEASE reach out for an all inclusive comparison.