Medicare Supplement or Advantage Plan? What is right for me?

Medicare supplement plans help pay the bills Medicare does not, and provide you with protection from the ever-increasing gaps in Medicare.

To qualify for a supplemental plan you must have part A and B medical coverage.

Acceptance of your application is guaranteed if you are 65 or older and apply within six (6) months of your initial enrollment in Plan B of Medicare.

Under certain circumstances pre-existing conditions might be waived. Please ask us for specific details.

Medicare Advantage Plans (Plan C) are plans that are approved by Medicare run by private companies.  Some plans are at no cost and provide extra benefits that are not included by Medicare.

The Annual Election Period is 11/15 to 12/31. You are able to make changes to your insurance during this time.

The Open Enrollment Period is 1/1 to 3/31.  You are able to make one change to a like plan during this time.

Some plans may also include a prescription drug plan, (Part D). As a result, members not only get quality health care coverage without the expense of high plan premiums or deductibles, they have virtually no paperwork to contend with. And at the same time, they still enjoy more health care benefits and services than original Medicare offers for little or no additional cost.

We offer three kinds of Medicare Advantage Plans: HMO, PPO and Private Fee For Service Plans (PFFS).