Medicare

Turning 65 or Retiring Soon? Receiving SSDI?

If you’re enrolling into Medicare within the next 6 months or have questions about your current plan, Insurance With Don is here to help! We can help you navigate the complexities of Medicare, recommend the best options for your specific needs, and answer questions about all of the changes happening with Medicare every year.

We’ve compiled 100s of resources to teach you everything you need to know about Medicare, the yearly changes, and what your options are for coverage. You can also set an appointment with us to have a 100% FREE Medicare Consultation!

Medicare Supplements/Medigap

Medicare Supplement Plans offered by private insurance companies can fill in the gaps of Original Medicare (Parts A&B), protecting you from large hospital bills. Medigap plans are standardized, meaning that no matter what carrier you choose they will offer the same basic benefits. Plans are categorized by letters A-N, with different levels of coverage between each letter. With a Medicare Supplement plan you can go to any doctor that accepts Medicare, with no referrals or preauthorization needed.

Medicare Advantage (Medicare Part C)

Medicare Advantage Plans are offered by private insurance companies, taking over for Original Medicare (Parts A&B). With Medicare Advantage Plans your prescription drug coverage is often included, as well as extra perks such as gym memberships, groceries, and over the counter allowances (not all plans). Some plans even include dental and vision.

Medicare Advantage plans are offered as an HMO, PPO, or PFFS meaning that Doctor’s and Specialists can choose to accept a plan. Plans have changes every year, which is why its recommended to have an agent that can compare plans every year for you. We can ensure your doctors & specialists are in network, as well as check your prescriptions on the plans formulary (list of covered drugs).

Prescription Drug Plans (Medicare Part D)

If you’re enrolled into Original Medicare or utilizing a Medicare Supplement Plan you will need a Medicare Part D Prescription Drug Plan for your prescription drug coverage. This can be a stand alone plan, or included in your Medicare Advantage (Part C) plan.

Medicare Part D Plans have a monthly premium for coverage, a yearly deductible, as well as a maximum out of pocket that will limit your yearly costs for prescriptions.