Medicare Supplements & Medicare Advantage Plans

Medicare Supplement (Medigap) plans

A Medicare Supplement plan works alongside Original Medicare and pays much of what Medicare leaves behind — deductibles, coinsurance and copays depending on the plan letter you choose. You keep the freedom to see any provider in the country who accepts Medicare, with no network and no referrals.

Plans with the same letter carry the same standardized benefits no matter which carrier issues them, so the real comparison is price, rate history and service. That is exactly the comparison we run for you.

• Plan G, Plan N and high-deductible options compared
• Any doctor or hospital nationwide that accepts Medicare
• Predictable costs with no network restrictions
• Carrier rate-increase history reviewed before you enroll

Medicare Advantage plans

A Medicare Advantage plan replaces the way you receive your Medicare benefits through a private carrier, usually bundling hospital, medical and prescription coverage in one plan — often with extras such as dental, vision, hearing and fitness benefits.

The trade-off is networks and plan rules. We check that your doctors are in network and that your prescriptions are on the formulary before you sign anything, and we review it again each year when plans change.

• HMO and PPO plans compared in your county
• Doctor and hospital network checks before enrollment
• Prescription formulary and pharmacy cost review
• Dental, vision, hearing and other extra benefits explained

Prescription drug and health coverage

Prescription coverage is often the deciding factor between two otherwise similar plans. We price your actual medication list against each option so the comparison is your cost, not an average.

For people not yet on Medicare, we also help with individual and family health coverage so there is no gap between employer coverage and age 65.

• Your medication list priced plan by plan
• Late-enrollment penalty avoidance
• Coverage for the years before Medicare eligibility
• Annual review during the Medicare election period

Health, life and legacy in one conversation

Health coverage protects your retirement savings; life insurance protects the people who depend on you; annuities and planning protect the legacy you intend to leave. We handle all three, so a single meeting covers what usually takes three offices.

• Medicare and health coverage reviewed first
• Life insurance sized to what your family would actually need
• Retirement income and legacy coordinated around your coverage