Find the best option to supplement your Medicare coverage!

MEDICARE HAS A PROBLEM!

With any insurance, the purpose is to protect yourself against loss. Your agency assesses your risks and places a dollar amount on your “worst case scenario” (value of your home in case of fire or the cost of a major illness). BUT you place yourself at further risk when you only have Medicare.

Risks involved in having ONLY Medicare:

A high Part A deductible
Large co-pays after 30 days in the hospital
An additional Part B deductible (annual fee)
20% of everything after deductible – without a cap on this
No prescription coverage

So what choices do you have to make sure your risks are 100% covered?

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FREE quote!

Simply fill out the form!

BUT DON’T WORRY, YOU HAVE OPTIONS!

You can go 3 different ways when choosing a Medicare Plan to fit your lifestyle. It’s up to you to choose the right one for your needs and budget, but we believe there’s a clear winner between the 3 options!

1. Medicare Supplement Plans

With a Medicare Supplement Plan, you will:

Pay an average cost of $158/month.
Add a stand-alone prescription plan for an additional $50/month.
Use any provider—physician or hospital—without any network requirements.

Conclusion: Get good coverage that will cost you more due to prescription restrictions.

2. Medicare Advantage

With a Medicare Advantage Plan, you will:

Pay little to no monthly premium
Pay out-of-pocket fees due to MAPD restrictions
Get emergency care—even out of your network
Only be covered if you reside within a specific service area
Receive all benefits available under Medicare, except prescription coverage

Conclusion: Get good coverage without little out-of-pocket expenses, but still make payments for prescriptions or cancer treatment.

3. Union or Employee-Sponsored Medicare Advantage Plans

With a Union or Employee-sponsored MAPD, you can:

Leave at any time
Pay no enrollment fees
Use your benefits in or out of network
Not be subject to the same rules as individuals on MAPD
Lower your annual limit on out-of-pocket expenses

Conclusion: If you join a teamster or union-sponsored Medicare Advantage Plan, you’ll receive excellent coverage for you and your spouse (or widow) with very little fees.

Obviously, we prefer Option #3!

Employers and unions can sponsor Group Medicare Advantage Plans that are far different than general plans. Your group plan will allow you to live comfortably with a reasonable monthly premium rather than face a huge outlay for your medical care. We’re here to discuss your options with you through a FREE consultation where you’ll get a FREE quote that prove how we will provide better coverage at a lower cost to you.