Medicare Advantage Plans are offered by private carriers and replace your original Medicare Parts A and B, as they are rolled into one plan. You can select between an HMO or PPO, and most plans may cover more of your healthcare costs and have additional benefits, such as prescription drug coverage. Some may have dental or vision benefits. Premiums vary based on coverage, carrier and geographical location. Ultimately, The Best Medicare Advantage Plan Is One That Is Purchased From A Quality Carrier, Has No Or A Low Premium And Leaves You With The Least Or No Out Of Pocket Expenses.

Medicare Supplement Insurance policies complement your Original Medicare Parts A and B. They cover some, if not all, of the expenses that Part A and B do not cover, like co-pays, deductibles and other charges. There are many different types of Medicare Supplement policies available, however they are regulated so the benefits for these various policies (known as Plan A through N), are all the same regardless of the carrier. However, premiums can vary greatly among carriers. Ultimately, The Best Supplement Plan Is One That Is Purchased From A Quality Carrier, Has A Low Premium And Leaves You With The Least Or No Out Of Pocket Expenses.

Prescription drug coverage offered by private carriers contract with Medicare. Because premiums vary greatly, you should carefully weigh your prescription costs against all variables of these plans. Selecting the wrong plan can wind up costing you thousands. Some Medicare Advantage plans may offer prescription coverage as well.
Please note that you should sign up for Part D (even if you do not have prescriptions) when you first turn 65, as waiting may result in a costly monthly penalty added to your premium.

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To sign up for original Medicare Parts A & B, along with Part D, most people will have an Initial Enrollment Period which is a 7 month period around the time they turn age 65. This period begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65. Once your Initial Enrollment Period is over, if you wish to change or purchase Advantage or Part D Plans, you must act during the open enrollment period.

 
NOTICE: Once you are eligible for Medicare, do not wait to enroll in a Medicare Part D Plan (PDP) or you could end up paying a penalty every month.

We help employers who provide medical benefits to their retirees tackle the challenges of ever increasing premiums and health care costs. We offer a guaranteed issue “true group” approach. Eligible employees (and spouse) receive all the benefits of Medicare and more with a Group Medicare Supplement.

 
Here’s how it works:
Medicare Supplement Insurance policies complement your retiree’s original Medicare Parts A and B. They cover some or all of the expenses that Part A and B don’t, like co-pays, deductibles and other charges. Dental, vision and hearing wellness benefits may be included.