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New to Medicare or need assistance during Annual Election Period? We offer Medicare Supplement Insurance, Part D Rx Coverage or Medicare Advantage plans, Dental, Vision and more.
The top 3 things we consider for our clients needs:
1. Are your Rx covered on the formulary?
2. Are you happy with your access to doctor and facility networks?
3. Does it fit in your budget?
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If you would like to consult with a licensed and certified agent to discuss your options feel free to call 888-650-1788, or click here to make an appointment for a consultation. If you prefer WE reach out to you, please complete this short electronic Consent to Contact form.
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What is Medicare?
Medicare is the Health Insurance program for people who are:
65 or older
Certain younger people with disabilities
People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).
The different parts of Medicare help cover specific benefits:
Medicare Part A - Hospital Insurance
Helps cover inpatient care in a hospital or skilled nursing facility (following a hospital stay), home health care services, and hospice care services. Copayments, coinsurance, and deductibles may apply for each service. You usually do not pay a monthly premium for Part A coverage if you or your spouse paid Medicare taxes while working.
MEDICARE PART A
Medicare Part B - Medical Insurance
Helps cover doctors' services, outpatient care, home health services, and other medical services. Part B also covers some preventive services. Copayments, coinsurance, and deductibles may apply for each service. You can find out if you have Part B by looking at your Medicare card. You pay the Part B premium each month. Part A and Part B are often referred to as “Original Medicare”.If you are a higher income earner, be sure to note the IRMAA added to your part B premium, click here for additional information.
MEDICARE PART B
Medicare Part C - Medicare Advantage Plans
A type of Medicare health plan offered by private insurance companies approved by and under contract with Medicare.Includes Part A, Part B, and, usually, other coverage like prescription drugs. Medicare Advantage Plans may offer extra coverage, such as vision, hearing, dental, and/or health and wellness programs. In addition to your Part B premium, you usually pay one monthly premium for the services provided.
MEDICARE PART C
Medicare Part D - Prescription Drug Coverage
A prescription drug option offered by private companies approved by and under contract with Medicare. Helps cover the cost of prescription drugs, may help lower your prescription drug costs and help protect against higher costs in the future. Part D is available to everyone with Medicare.
If you are a higher income earner, be sure to note the IRMAA added to your part D premiums, click here for additional information.
For More Information: Call 1-800-MEDICARE ( 1-800-633-4227 FREE). TTY users call 1-877-486-2048 FREE, 24 hours a day/7 days a week.
Learn More About Medicare: You can learn more about the Original Medicare Plan and the Medicare program by reading “Medicare and You”, the official government handbook about Medicare.
MEDICARE PART D
Medicare Supplement Insurance/Medigap
A Medicare Supplement Insurance (Medigap) policy, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share.
A Medigap policy is different from a Medicare Advantage Plan.
Things To Know About Medigap Policies
You must have Medicare Part A and Part B.
If you have a Medicare Advantage Plan, you can apply for a Medigap policy, but make sure you can leave the MedicareAdvantage Plan before your Medigap policy begins.
You pay the private insurance company a monthly premium for your Medigap policy in addition to the monthly Part B premium that you pay to Medicare.A Medigap policy only covers one person.
If you and your spouse both want Medigap coverage, you'll each have to buy separate policies.
You can buy a Medigap policy from any insurance company that's licensed in your state to sell one.
Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can't cancel your Medigap policy as long as you pay the premium.
Some Medigap policies sold in the past cover prescription drugs, but Medigap policies sold after January 1, 2006 aren't allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a MedicarePrescription Drug Plan (Part D).
It's illegal for anyone to sell you a Medigap policy if you have a Medicare Medical Savings Account (MSA) Plan.
Medigap policies don't cover everything.
Medigap policies generally don't cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing.
Monthly – Medicare with Confidence and Bingo – No obligation, education only virtual meeting
2nd Wednesday of every month at 6:00 PM
Casual atmosphere where you are able to ask your technical questions about the Medicare paths. We will be
reviewing the A, B, C's and D's as well as pitfalls to avoid.
Please note, these systems require your email address for registration, we will not use your email to contact you in
the future unless you complete this permission form: https://forms.gle/RFEixmBeEz2rB6js8 (copy and paste this link
in your browser to complete).
Dawn McFarland is a Licensed Sales Agent, certified to discuss your Medicare insurance needs. The person who
will be discussing plan options with you is with or contracted by a Medicare health plan or prescription drug plan that
is not the Federal Government, and they may be compensated based on your enrollment in a plan. Registering does
NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage Plan, Prescription Drug Plan, or
other Medicare plan.
For accommodations of persons with special needs at meetings, call 888-650-1788 (TTY: 711). Any prizes available
are available without obligation.
*After registering, you will receive a confirmation email containing information about joining the meeting*
No Cost No Obligation Educational Seminars for Employer Groups and HR Professionals. I am happy to host No Cost, No Obligation educational seminars in multiple formats to suit the needs of you and your employees. “Live” virtual Zoom meetings, Recorded Webinars, Regular Monthly “Ask The Expert” Meetings.