Get to know your Medicare options. Click on a topic below.

Call 360-736-8283 or contact us with any questions or to set up an appointment.
Medicare Supplements, also known as “Medigap” plans, pay for health expenses that Medicare would normally pass on to you, such as deductibles, co-insurance and copays.  Medicare Supplement plans range in cost, depending on the plan and the company.  You can apply for a Supplement plan any time, as long as you have Both Medicare Parts A and B as your primary insurance.

Supplement plans do not cover prescription drugs, so you will need to buy a “stand-alone” drug plan (Part D) in order to have coverage for your prescription drugs. Click here to request a quote, or call 360-880-0237.

Medicare Advantage Plans, also known as Medicare Part C, are private insurance plans that contract with Medicare.  You must have Medicare Parts A and B.  With this option, the private insurance plan becomes your primary insurance.  Medicare pays none of your claims, but you still pay the Part B premium, which is normally deductible from your Social Security.

Most Medicare Advantage plans have drug coverage, but there are plans without it. 

When considering a Medicare Advantage plan, there are a few things to be aware of.  Each plan has its own doctor network, so make sure your provider is in that network.  Some plans require you to get a referral to see a specialist.  This type of plan is a Health Maintenance Organization (HMO).  Other plans don’t require referrals, these are Preferred Provider Organizations (PPO).   Some plans have large, national provider networks.  Other plans have smaller, “regional” networks, and may not be a good fit if you spend much time out of state.  Just like Medicare, all Advantage plans cover you for Emergency and Urgent Care visits anywhere in the U.S.

You can apply for a Medicare Advantage plan when you start Medicare or during the annual “Open Enrollment.”  Open Enrollment is from October 15 and December 7th every year.  During this time, you can start a plan, make a plan change, or go back to “original Medicare.

These are just a few of the things to consider when looking at Medicare Advantage plans.  For more information or to make an appointment, click here or call 360-880-0237.

Medicare Part D refers to the prescription drug plans sold by private insurance companies.  These plans are overseen by Medicare, and their benefits must meet Medicare’s guidelines.  A stand-alone drug plan would be a good option for those who have original Medicare and a Supplement, and these do not have prescription drug benefits built-in.  To purchase a drug plan, one must be enrolled in Medicare Part A.

We have several Medicare Drug Plans for you to choose from, including plans from United Health Care, Coventry Health and Assuris.  You can contact us for information on benefits and pricing by clicking here, by stopping by our office, or by calling 360-880-0237.