Whether you are new to Medicare or have been covered by Medicare for years….you most likely need answers to many questions….such as what is a Medicare Supplement…..an Advantage Plan…..a Prescription Plan. Why do I need a plan to “supplement” Medicare Part A and B? The agents at Reitler Insurance can help guide you through the benefits provided through Medicare and explain why you may want to consider additional coverage to keep your out of pocket expenses to a minimum. There are important time lines you need to know so don’t waste time in contacting our agents TODAY….
Please contact Beth Reitler toll free at 1-866-415-1255 at or submit an on-line quote request.
This type of policy helps pay some of the expenses not covered by Medicare. What’s more:
- Your out-of-pocket health care costs are reduced
- You choose your own doctors, hospitals and other health care providers
- Your benefits increase along with Medicare’s deductibles and co-payments depending on your plan's coverage
All companies offer the same standardized insurance plans (by law) so your Medicare Supplement choice comes down to price, company’s service, and an agent who will be there when you need them. At Reitler Insurance we work with financially stable companies who offer the most competitively priced supplemental plans.
Medicare Advantage Plans
This type of policy uses a private insurance company to administer your Medicare coverages. Your benefits may coverages in addition to traditional Medicare (i.e. gym memberships, preventive coverage). This type of plan is also referred to as Medicare Part C. These plans can include prescription coverage. Typically you continue to pay your Part B premium along with any premiums charged by the insurance company. These plans typically have deductibles, co-insurance, and maximum out of pockets…in theory they “feel” more like traditional health insurance. Each year these plans have an open enrollment period in November and December.
Medicare offers prescription coverage through the Part D plan. It is important to note that anyone eligible for Medicare qualifies for prescription drug coverage, regardless of income, health status of current prescription expenses. There are many different companies that offer drug plans. The best way to search for a stand alone drug plan is to provide your agent with a complete list of your medications with dosages. With this information, we are able to determine which plan is best for you.