Medicare Supplement Medicare Supplement policies cover Medicare elligible costs not paid by Medicare such as co-pays and deductibles for doctor visits and hospitalization. Plans offer comprehensive coverage without networks that gives you the freedom to see any doctor or medical facility that accepts Medicare. With a Medicare Supplement, there are generally few, if any, out-of-pocket expenses. Please contact our office for a personal review and valued priced comparisions. We look forward to serving you!
Medicare Part D Medicare Part D is the federal government's prescription drug program that covers both brand-name and generic prescription drugs at participating pharmacies in your area or by mail order. Medicare Part D prescription plans are purchased through private companies. An individual is able to purchase a plan by being enrolled in either Medicare A or B. Companies may offer plans which provide drug coverage for Medicare Elligble prescriptions but may only offer limited access to certain drugs through their formulary. At its basic level, a drug formulary is a list of Brand Name or Generic drugs that a company may cover. These formularies can change from year to year and it can prove very important to review your needs each year to ensure your cost are the lowest possible. Please feel free to call our office for any questions or help. 800-954-3773 or 715-827-0218
Medicare Advantage Medicare Advantage plans are health care options that are part of the Medicare program known as Part C. These plans must cover all Medicare Elligible services offered through Original Medicare and may include Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services. An individual must have Medicare A & B to enroll into these plans. Premiums are often low and $0 premium plans are available in many areas. Medicare Advantage Plans generally offer additional benefits such as vision,dental and other services over what Original Medicare covers but the member would have some out-of-pocket exposure for certain medical services. Please feel free to contact us to review your available options. We look forward to helping explain and make understandable your choices which very often can be a very confusing.
Annually, the Pre-AEP begins October 1st when the next year's new plans and benefits are made public, but enrollment isn't yet allowed. On October 15th, the Annual Enrollment Period (AEP) officially begins and will end on December 7th. During this period, you can enroll into a new plan which will become effective the following January 1st. January 1st thru March 31st is the OEP Period that allows a person to change from one Medicare Advantage Plan to another. You can also leave a Medicare Advantage Plan to return to Original Medicare and a Part D Plan.
Our site will have updated information including plan details for you at that time. Please don't hesitate to call our office for help and assistance, 800-954-3773 or 715-827-0218. We look forward to helping answer any questions or concerns and find just the right plan for you. Thank-You!
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