Flair For Medicare

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With multiple Medicare plan types and hundreds of coverage options available, how do you know which is right for you? I’m here to help. We can talk over the phone or in person and, as an Independent Licensed Insurance Agent, I’m knowledgeable about the plans available to you.

What else is there? 

Medicare Part C plans are insurance plans offered by private insurance companies. These plans, otherwise known as Medicare Advantage plans or MA plans, provide the same coverage as Original Medicare with the benefit of supplemental coverage.

Medicare Part D is insurance for your medication needs. You use the carrier's network of pharmacies to purchase your prescriptions. Instead of paying full price, you will pay a copay or percentage of the drug’s cost. 

You can get Medicare Part D coverage through a stand-alone Medicare Prescription Drug Plan - PDP (if you’re enrolled in Original Medicare) or through a Medicare Advantage plan (also known as a Medicare Advantage Prescription Drug Plan - MAPD.) 

Don't let Medicare Options Stress You Out!

Whether you're turning 65 or are already dealing with Medicare, I can help in determining what is the best route for you to take!  There is never any obligation! Just reach out to me here and we can discuss by phone, email or other virtual communication! 

In these times, more than ever, it's important that you make the right choice in your Medicare health coverage!

Appointments can be done In-Person, over the Phone, Email, or other Virtual Methods!

What is "Original Medicare?" 

This is a fee-for-service health plan that has two parts: Part A (Hospital Insurance) and Part B (Medical Insurance). After you pay a deductible, Medicare pays its share of the Medicare-approved amount, and you pay your share (coinsurance and deductibles).

Some things to know about Original Medicare

  • You usually pay a monthly premium for Part B.  
  • You generally don't need to file Medicare claims. Providers and suppliers will file claims for the covered services and supplies you receive.
  • IMPORTANT: There's no yearly limit for what you pay out of your own pocket!
  • IMPORTANT: Original Medicare DOES NOT COVER Prescription medications!

...and there's also...

Medicare Supplement Insurance (Medigap) that helps fill "gaps" in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like Co-payments, Coinsurance and Deductibles. 

IMPORTANT: Medigap plans DO NOT cover prescriptions!

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