During the planning process you want to consider:

1. How much are your premiums, deductibles, and other costs?
2. How much do you pay for services like hospital stays or doctor visits?
3. Is there a yearly limit on what you could pay out-of-pocket for medical services?

There’s no limit on how much you pay out-of-pocket per year unless you have supplemental coverage. Contact us and we can help you find the right combination of plans to meet your needs.

If you have other health or prescription drug coverage types, make sure you understand how that coverage works with Medicare.

Supplemental coverage in Original Medicare

You can add a Medicare Supplement policy to help pay your out-of-pocket costs in Medicare, like your deductible and coinsurance.

Supplemental coverage in Medicare Advantage

It may be more cost-effective for you to join a Medicare Advantage Plan because your cost sharing is lower (or included). Many Medicare Advantage plans offer vision, hearing, and dental. You can’t use (and can’t be sold) a Medicare Supplement policy if you’re in a Medicare Advantage Plan.

Contact us to discuss the differences between Medicare Supplement and Medicare Advantage Plans. We can help you decide which plan is best for you.

Planning for doctor visits and hospital visits is an important consideration during the planning process. Ask yourself:

1. Do your doctors accept the coverage?
2. Are the doctors you want to see accepting new patients?
3. Do you have to choose your hospital and health care providers from a network?
4. Do you need to get referrals?
   

Doctors and hospital visits can become a major expense if you are not fully covered. Remember that Medicare only pays 80%, you are responsible for 20% of your medical bills. That is why it is important that you enroll in a Medicare Supplement or Medicare Advantage Plan to help assist with that 20%. We offer free consultations and show you all of your options.