Medicare Insurance

Medicare Supplement Plans (Medigap)

Stay Protected and Save More With a Medicare Supplement Plan

Do you have an Original Medicare plan? Then you may already know that it doesn’t cover everything and leaves behind costs that you need to pay out-of-pocket. Luckily, Medicare Supplement plans are here to save the day. Also called “Medigap”, these plans help pay for the things that the Original Medicare won’t, including deductibles, copayments, and coinsurance.

A Medicare Supplement plan only starts covering your expenses after the Original Medicare has paid its portion of the approved amount. That means your Medicare will be billed first before the healthcare provider charges the remaining amount to your Medigap carrier.

More reasons to get a Medicare Supplement plan:

  • Aside from deductibles and coinsurance, most Medigap plans also cover hospital expenses and nursing facility costs after you've maxed out your Medicare-covered days.
  • Medicare Supplement plans can completely eliminate out-of-pocket costs.
  • Medigap comes with different plan options to suit your unique needs.
  • When you travel outside the U.S, your Medicare Supplement plan can also cover 80% of your emergency medical needs.
  • You will get the same Medigap coverage in all states.
  • With a Medicare Supplement plan, you won’t need any referrals when you see a specialist.

Have more questions?

We Have You Covered at Your Insurance Advisor

Does navigating Medicare and its supplement plans seem daunting? Worry not, Your Insurance Advisor will give you a better understanding of how these policies work before you make a decision.

We know there are a lot of Medigap policies and companies to choose from. We want to help you find the carrier and the coverage that best fits your needs by comparing your options and providing you with honest quotes, information, and unbiased advice. We are knowledgeable about the different Medicare Supplement plans available on the market. Our agents will also be happy to assist you with post-enrollment concerns and if you want to switch Medigap plans in the future.

Medicare Supplement plans don’t have network restrictions, giving you the freedom to visit any hospital or see any medical practitioner that accepts Original Medicare.

Start choosing the perfect Medigap coverage for you! Call Your Insurance Advisor at 573-355-4803 or fill out our contact form to schedule a consultation. We serve clients in SERVICE AREAS HERE.

Let us help you with your needs.

Medicare Advantage Plans (Part C)

Medicare Advantage Plans (Part C)

The Original Medicare (Part A and Part B) is a promising program that can protect you from many unexpected healthcare costs. But did you know that there’s another Medicare plan offering benefits that go beyond what’s covered in the Original Medicare? Enter: Medicare Advantage Plans.

Also known as “Medicare Part C” or “MA Plans,” Medicare Advantage is a comprehensive alternative to the government-issued Original Medicare. It is only offered by select private insurance companies that contract with Medicare.

These “bundled” plans combine Medicare Part A (Hospital Insurance), Part B (Medical Insurance), and often Part D (Prescription Drug Coverage), into one convenient policy. Some Medicare Advantage plans even provide extra coverage that Original Medicare doesn’t offer, such as vision, dental, home health, and disability equipment.

Top reasons to enroll in a Medicare Advantage plan:

  • It guarantees all-in-one coverage. Medicare Part C merges all the hospital, medical, and prescription drug coverages into a single plan.
  • You can enjoy lower or zero monthly premiums and out-of-pocket costs compared to the Original Medicare.
  • It offers more benefits. Unlike Original Medicare, some MA Plans cover fitness programs (gym memberships), chiropractic and acupuncture, and hearing aid services.
  • You can enroll in Part C even if you have a pre-existing condition (except for End-Stage Renal Disease).
  • You can get better access to in-network doctors and hospitals. Medicare Advantage Plans allow you to see specialists who may not accept patients with Original Medicare alone.

We Have You Covered at Your Insurance Advisor

Looking for trustworthy medicare agents to help you navigate Medicare Advantage plans? Your Insurance Advisor partners with Medicare-approved private insurance companies to help you shop for the MA plan that best suits your budget and coverage needs.

We understand that Medicare is tricky. With the many parts, options, and unfamiliar insurance terms, it can be challenging to determine which plan can give you full-scale coverage. Our licensed Medicare agents promise to educate you on each Medicare Advantage plan type’s inclusions and pros and cons so you can decide whether Part C is worth your investment.

We will also help you find out if your selected plan covers your prescription drugs or if your preferred doctor is in the network, given that each plan has a different list of in-network specialists and hospitals. At the end of the day, we want you to get the package that costs less but offers more.

Contact us at 573-355-4803 or fill out our contact form to get started. We serve clients in SERVICE AREAS HERE.

Contact Us Today

Medicare Prescription Drug Coverage (Part D)

Medicare Prescription Drug Coverage (Part D)

Americans spend thousands of dollars on medications every year. In fact, we pay much more than what other countries pay for the same medicines. One practical way to save yourself from high prescription drug costs is to enroll in a prescription drug plan like Medicare Part D.

Medicare Part D is a prescription drug coverage added to your Original Medicare (Part A and Part B) and helps you pay for medications prescribed by your doctors. This coverage is not automatically included in Original Medicare. The only available way to get it is by enrolling in a stand-alone Medicare prescription drug plan (PDP) or a Medicare Advantage Plan that also includes Part D (MAPD).

Not all of us need a Part D plan, but signing up for it can help you cut down your medication expenses and protect you from rising costs in the future. Medicare Part D covers branded, generic, and specialty drugs.

More reasons to consider Medicare drug coverage:

  • Medications for accidents and unexpected illnesses can be expensive.
  • Medicare Part D helps pay for most outpatient and maintenance prescription drugs, including insulin and insulin syringes, biological drugs, and cancer treatment drugs.
  • If you’re not taking any medications right now, Part D will help you get drug prescription coverage in the future.
  • It expands your original Medicare coverage and/or Medicare Supplement plan.

We Have You Covered at Your Insurance Advisor

Still wondering if Medicare drug coverage is right for you? Your Insurance Advisor knows the nuts and bolts of Medicare Part D plans and can give you information that is not always readily available to patients. Our job is to present to you the different plans available, help you review each coverage, and determine which one best meets your medication needs.

We maintain strong relationships with the top private insurance companies approved by Medicare, letting you enjoy quick access to in-network pharmacies and the medicines you need to combat your health condition. If you need assistance with enrollment, our licensed agents are also ready to walk you through the process and ensure you get a quality plan that’s priced affordably.

Contact us at 573-355-4803 or fill out our contact form to get started. We serve clients in SERVICE AREAS HERE.