Our clients are often thrilled that they can get such great coverage on Medicare Supplement plans. Plan F will cover 100% with no deductible and Plan G is 100% with a $185/yr deductible…that is incredible compared to traditional employer plans that have $5,000 to $10,000 deductibles. However, these plans can only cover what Medicare itself allows, and Medicare doesn’t cover hardly ANY dental, vision, or hearing. This is a pretty big gap in coverage right? After all, we all have teeth (or dentures) and they will need to be taken care of. Every time I go to the dentist I’m reminded just how expensive that can be when you don’t have any insurance!

Thankfully there are plans that are specifically designed for Medicare recipients. These plans include Dental, Vision, and Hearing all together for between $20-$50 per month. All of them have waiting periods so we strongly advise you to get the plan BEFORE you need it. We get calls all the time from our clients who need a root canal and now decide they need coverage! So just give us a call so we can walk you through it.

1. Medicare Prescription Drug Plan (Part D) . These plans (sometimes called “PDPs”) add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.
2. Medicare Advantage Plan (Part C) like an HMO or PPO) or other Medicare health plan  that offers Medicare prescription drug coverage. You get all of your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage, and prescription drug coverage (Part D), through these plans. Medicare Advantage Plans with prescription drug coverage are sometimes called “MA-PDs.” You must have Part A and Part B to join a Medicare Advantage Plan.

We emphasize that our services are absolutely free to our clients, which often brings up the question….”well then how do you get paid?” That’s a very important question because knowing how someone gets paid can show if they may be biased and recommending a plan to you because it is good for THEM but not necessarily for YOU.

As a licensed Medicare Insurance Agency, our job is to educate our clients on how Medicare works, and then assist them in finding the right plan for their specific situation. When we make a recommendation to you and you allow us to enroll you in that plan, the insurance company then pays us a small commission for all of our work. Its important to note that you don’t have to pay anything additional to work with us, so you’re getting all of our expertise at no cost to you whatsoever. What a great deal!