Services

01. Medicare

Your Medicare Options

Medicare Advantage

A Medicare Advantage plan is an option offered by a private insurance company. These plans are also referred to as Medicare Part C and provide all the benefits of Medicare Part A and Part B. Most Medicare Advantage plans include prescription drug coverage referred to as MAPD as well as extra benefits for dental, vision, hearing, fitness and others.

The most common Medicare Advantage plans are network-based, like HMOs and PPOs. HMOs require you to use a network of doctors and to get referrals from your primary to go to specialists. Most HMO’s will not cover benefits for doctors out of network, except incase of emergencies. PPOs give members the option to go out of network, but generally at a higher cost. PPO’s in general do not require referrals to go see specialists.

These plans typically have low to $0 premiums with fixed co-pays for most services like doctor office visits, labs, hospitalization, outpatient surgery, etc. Additionally, the plan will have a Maximum out of pocket that an individual would. 
 

Medicare Supplements

Medicare Supplement plans, also known as Medigap plans, help to pick up the deductibles and coinsurance not covered by Original Medicare Part A and B. These policies are accepted by any doctor or hospital that accepts Medicare because Medicare is still their primary insurance.

Supplement plans are standardized, meaning each plan is identified by a letter, and offers the same coverage by law. Medicare Supplement plans  have a more expensive monthly premium, but offer more comprehensive coverage. Those that choose to have supplements will have to get a stand-a-lone prescription drug plan (Part D plan or PDP).
 

Medicare Prescription Drug Plans

Medicare Supplement plans, also known as Medigap plans, help to pick up the deductibles and coinsurance not covered by Original Medicare Part A and B. These policies are accepted by any doctor or hospital that accepts Medicare because Medicare is still their primary insurance.

Supplement plans are standardized, meaning each plan is identified by a letter, and offers the same coverage by law. Medicare Supplement plans  have a more expensive monthly premium, but offer more comprehensive coverage. Those that choose to have supplements will have to get a stand-a-lone prescription drug plan (Part D plan or PDP).
 

Sandy Beach

Let us help you find a plan that fits your needs and budget. 

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We can assist you in finding the right plan at an affordable cost. Whether you are becoming eligible for Medicare for the first time or exploring different Medicare options, we can help. Our services won’t cost you anything, and we represent all the major companies.

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