Our Services
Medicare Advantage
Medicare Supplement
Prescription Drug Plans
Marketplace Insurance
Medicare Advantage Plans are an alternative to Original Medicare offered by private insurance companies approved by Medicare. These plans bundle together hospital (Part A) and medical (Part B) coverage, and often include prescription drug coverage (Part D) as well. Many Medicare Advantage Plans also offer extra benefits like dental, vision, and hearing care. While they may have lower out-of-pocket costs, they usually require you to use a network of doctors and hospitals. It's important to compare plans carefully, as coverage and costs can vary by provider and location.
Medicare Supplement Plans, also known as Medigap, help pay for some of the out-of-pocket costs not covered by Original Medicare, like copayments, coinsurance, and deductibles. These plans are sold by private insurance companies and work alongside your Medicare Part A and B coverage. Unlike Medicare Advantage Plans, Medigap doesn’t include prescription drug coverage, so you may need a separate Part D plan. You can usually see any doctor that accepts Medicare, giving you more flexibility. Monthly premiums vary, but they can help reduce surprise medical bills and make healthcare costs more predictable.
Stand-alone Prescription Drug Plans, also known as Medicare Part D, help cover the cost of prescription medications. These plans are offered by private insurance companies and are designed to work with Original Medicare. Each plan has a list of covered drugs, called a formulary, which can vary from plan to plan. You usually pay a monthly premium, and there may be copays or deductibles depending on the plan. It’s important to compare options each year, as drug coverage and costs can change annually.
Affordable Care Act (ACA) plans, also known as Marketplace or Obamacare plans, are health insurance options for people who don’t get coverage through a job or government program like Medicare. These plans must cover essential health benefits like doctor visits, hospital care, and prescription drugs. They also can’t deny coverage for pre-existing conditions. Depending on your income, you may qualify for discounts to help lower your monthly premiums and out-of-pocket costs. ACA plans are available during open enrollment each year or if you have a qualifying life event, like losing other coverage.