Becoming a Medicare Beneficiary can be a very confusing time. When you are eligible for Medicare due to age or disability, you’ll need to decide what type of Medicare plan will be the right fit for you and your lifestyle. Before making any decisions, let us educate you about the plans and benefits available to you.
A Medicare Supplement plan (also known as a Medigap policy) will help fill the gaps that Original Medicare alone can leave. You can rely on coverage that will pay for the coinsurance, deductibles and excess charges that Original Medicare doesn’t cover. With a Medicare Supplement policy you will have the freedom to go to any doctor, specialist or hospital in the country that is Medicare-approved, without having to worry about referrals.
A Medicare Advantage plan (Part C) will take the place of Medicare Part A and Part B and may offer more benefits than Original Medicare alone. Medicare pays the Medicare Advantage plan monthly to provide you with hospital and medical coverage; therefore you will generally have little or no monthly premiums.
A Medicare drug plan (Part D) will help you pay for your prescription drugs and help keep your pharmacy costs under control. There is a lot to consider when choosing a Medicare drug plan, depending on the number and types of drugs you are taking. With a list of your current medications, we can help you wade through the complex nature of a Part D policy and help you choose a plan that will cover your drugs most effectively.
Nico Insurance Services, Inc. can help you with the many decisions you may be facing when you become Medicare eligible. Our specialist, Dawn Stewart, will sit down with you and go over all the questions you may have about your Medicare options.