Part D - Prescription Drug Plans (PDP)

Sometimes a stand alone prescription plan will have lower copays than the MAPD combined plans.  Our professionals will find your overall lowest cost PDP option with a free analysis of your list of prescriptions, with dosage and frequency, by checking the formulary and price list of each available plan.

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Part A & B - Original Medicare with Catastrophic Coverage - (Medigap) Medicare Supplement Plans

Medicare is your primary payer. By adding a Medicare Supplement Plan (Medigap), an insurance carrier becomes your secondary payer, covering all or some of the hospital and medical deductibles, co-pays and/or co-insurance costs that are not covered by Original Medicare.

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Part C - Medicare Advantage Plans (MAPD)

An insurance carrier replaces Medicare and becomes your primary payer, offering healthcare services actuarially equivalent to Original Medicare through a network of providers where, one doctor becomes your Primary Care Provider.  Like Original Medicare, certain benefits require you to pay hospital and medical deductibles, co-pays and/or co-insurance.

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Online rates, plan details and enrollment for Medicare plans.

Medicare hospitalization (Part A) and major medical (Part B) coverage exposes you to deductibles, co-pays and coinsurance. Limit your overall out-of-pocket costs and out-of-pocket maximum with a Medicare Advantage (MAPD), Medicare Supplement (Medigap), or Medicare Part D Prescription Drug Plan (PDP or Rx Plan). Our licensed insurance experts will help you buy the Medicare health plans that are right for you.

Paying too much? Compare rates and plans easily on our website. We have what you need to enroll in Medicare health plans tailored to your situation. Call and speak with one of our agents today!

Some shopping tips

Identify your prescription costs with each PDP and each MAPD.  It's easy.  To get your quotes, just enter your prescriptions one at a time specifying brand name or generic, dosage and frequency.  Your results will pop up showing premiums, deductibles, co-pays and co-insurance and the total of these costs for each available PDP and MAPD plan over the course of a year.  (Upon request, our licensed agents will help you with this free of charge or obligation.  Call or Contact.)

Look at the sum of:  premium + maximum out of pocket costs + total prescription drug costs for each Medicare Advantage and Medicare Supplement plan that interests you.  The resulting grand total will reflect your maximum exposure should you incur a costly health care event.  Remember, comparing the cost of premiums only tells you what your minimum costs will be if you are healthy and do not experience any kind of accident or sickness health event.

Decide affordability v. maximum exposure.  After you have gathered your shopping information you will see both lowest minimum costs (premium + prescription costs) and highest exposure (premiums + prescription costs + maximum out of pocket costs) for each alternative.  Ask yourself: Is the lower premium worth the higher exposure?  You decide and we'll help you put the plan in place.

New York Medicare Premiums

Next Steps...

Get total cost information for prescription plans first, as many Medicare eligibles must take prescription medicine on a maintenance basis.  After understanding the prescription costs of different plans, investigate Medicare Advantage and Medicare Supplement plan costs and benefits to determine your optimal choice.  Questions?  Call or e-mail for a professional consultation.

Part D Prescription Plan Rates

Medicare Supplement Rates

Medicare Advantage Plan Rates

MEDICARE COVERAGE GAPS

HAVE UNLIMITED EXPOSURE TO

DEDUCTIBLES, CO-PAYS & CO-INSURANCE

 

GAPS IN ORIGINAL MEDICARE COVERAGE - 2019

PART A:  Covers inpatient hospital care, skilled nursing facility, home health agency and hospice care except for: $1364 co-pay per condition, and $341-$682 daily co-pays for more than 60 days in a hospital or $170.50 daily for more than 20 days in a skilled nursing facility.

PART B:  Covers outpatient hospital care, physician's and surgeon's services, laboratory tests, x rays and imaging, certain preventive care and screening, most physical and occupational therapy, radiation therapy and many transplants except for: annual deductible of $185 and 20% co-insurance.

Non-Covered Services:  Long term nursing care, custodial care, dentures, dental care, eyeglasses and hearing aides.

Maximum Out of Pocket (MOOP) - Unlimited

 

PRIVATE INSURANCE PLANS COVER THE GAPS

Selecting a CMS Regulated Private Insurance Plans

MEDICARE SUPPLEMENT PLANS (MedSups/Medigap):  CMS standardized Plans are offered by private insurance companies for premiums where medical services are available nationwide through any provider who accepts Medicare assignment.   Medigap acts as a secondary insurance to cover the Original Medicare gaps, deductibles, co-pays and co-insurance, in whole or in part depending on the Plan, and offer additional coverage benefits including international emergency services.    Maximum-out-of-pocket costs (MOOP) are limited to a range of $0 to $5,150, depending on the Plan.

MEDICARE ADVANTAGE PLANS (Part C): A managed-care alternative to the Original Medicare Part A and Part B fee-for-service plan where a private insurance company receives a capitation fee from Medicare and becomes the primary payor through the insurance companies' networks including HMO's, PPO's, Regional PPO's, PFFS plans and Special Needs Plans (SNP's).  Coverage must be actuarially equivalent to Original Medicare and is typically offered at a $0 premium.  Maximum-out-of-pocket costs (MOOP) however are typically $6,700 in-network and $10,000 out-of-network.  Additional benefits and lower MOOP may be offered by some plans subject to a premium.

PRESCRIPTION DRUG PLANS (Part D):  Voluntary coverage of most FDA approved, self-administered prescription drugs to individuals enrolled in Part B subject to premium payments, deductibles and co-payments.

Popular Private Medicare Plans

Next Steps...

It's all here.  Available plans, rates and coverage detail.

Information Reduces Uncertainty

Ready to find out more?

Take a look at a summary of coverage options.........

Next Steps...

It's all here.  Available plans, rates and coverage detail.

Next Steps...

It's all here.  Available plans, rates and coverage detail.

Next Steps...

It's all here.  Available plans, rates and coverage detail.

Next Steps...

Get total cost information for prescription plans first, as many Medicare eligibles must take prescription medicine on a maintenance basis.  After understanding the prescription costs of different plans, investigate Medicare Advantage and Medicare Supplement plan costs and benefits to determine your optimal choice.  Questions?  Call or e-mail for a professional consultation.

Part D Prescription Plan Rates

Medicare Supplement Rates

Medicare Advantage Plan Rates

Information and rates on plans offered by: AARP, Aetna, Anthem, Cigna, Coventry, Emblem, Empire, Envision, Express Script, Globe Life, Humana, Mutual of  Omaha, SilverScript, SilverSneakers, UnitedAmerican, UnitedHealthcare, WellCare is subject to change by the issuing insurance company.

Individual insurance companies may not offer all plans in every zip code including: Medicare Advantage Plans, Medicare Supplement Plan A, Medicare Supplement Plan B, Medicare Supplement Plan C, Medicare Supplement Plan D, Medicare Supplement Plan F, Medicare Supplement Plan High Deductible F, Medicare Supplement Plan G, Medicare Supplement Plan K, Medicare Supplement Plan L, Medicare Supplement Plan M, and Medicare Supplement Plan N.