Medicare
Coverage Options
Medicare Part A and Part B (Original Medicare) do not cover all medical expenses. Obtaining additional coverage can help you better manage or reduce your out-of-pocket costs.
Medicare
Coverage Options
Medicare Part A and Part B (Original Medicare) do not cover all medical expenses. Obtaining additional coverage can help you better manage or reduce your out-of-pocket costs.
Flora E
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Jill has been a valuable asset in treading through the swamp of insurance choices. First contact was a number of years ago when trying to decided to hop off husbands employer sponsored insurance and signing up for either Medicare or MA plan. Stayed where I was at that time, but her endless support and her knowledge assisted me in my decision to stay on husbands insurance. A few years later, again reached out to her for guidance on traditional MCR or MA plans. She spent a lot of time either on the phone, emailing me with information or arranging zoom calls to answer my questions and address any concerns. I'm sure countless hours were spent behind the scenes insuring I had all the information I needed to make a choice that was right for me. Recently, once again I reached out to Jill to help my husband, after semi-retiring and loosing his employer sponsored insurance. She helped him navigate through the swampy waterways of the private health insurance market. Having been with traditional MCR and a supplement for the last year, she followed up with me regarding renewals for both Part D and my supplemental. I didn't have to do a thing, as she did everything for me with no financial obligation on my part. Bottom line Jill is invaluable with her knowledge and experience in the insurance market. She is dependable when following up and goes well beyond in explanations and assistance we personally needed to make the right decisions for our healthcare needs. I recommend her frequently on social media when I see someone reaching out for assistance with their insurance dilemmas or needs. Jill is a rare character, with excellent work ethics and valuable insurance knowledge to help you navigate through the confusing insurance markets and choices.
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More than 500 clients taken care of!
Your Options
Medicare Advantage
(Part C)
Provides all Medicare Part A and Part B benefits, along with additional services like wellness programs, hearing aids, and vision
services.
Prescription Drug Coverage
(Part D)
Is an option for those with Original Medicare, providing coverage for prescription drug costs.
Note: Individuals enrolled in Medicare Advantage plans typically do not need to purchase a separate Part D plan, as prescription drug coverage is often included in
Medicare Advantage plans.
Medigap
(Medicare Supplement)
Is an option for individuals with Original Medicare, covering out-of-pocket costs for health expenses not typically covered by Medicare Parts A and B (Original Medicare).
Note: Those enrolled in Medicare Advantage plans typically do not need to purchase a Medigap plan, as Medicare Advantage often provides similar coverage.
Your Options
Medicare Advantage
(Part C)
Provides all Medicare Part A and Part B benefits, along with
additional services like wellness
programs, hearing aids, and vision
services.
Prescription Drug Coverage
(Part D)
Is an option for those with Original Medicare, providing coverage for prescription drug costs.
Note: Individuals enrolled in Medicare Advantage plans typically do not need to purchase a separate Part D plan, as prescription drug coverage is often included in Medicare Advantage plans.
Medigap
(Medicare Supplement)
Is an option for individuals with Original Medicare, covering out-of-pocket costs for health expenses not typically covered by Medicare Parts A and B (Original Medicare).
Note: Those enrolled in Medicare Advantage plans typically do not need to purchase a Medigap plan, as Medicare Advantage often provides similar coverage.
Comparison of Your Options
Plan
Medicare Advantage
(Part C)
Prescription Drug Coverage (Part D)
Medigap
(Medicare Supplement)
Premium
All Medicare Advantage plans require that you continue to pay your Part B insurance premium.
You may also have a separate monthly insurance premium for your Medicare Advantage plan.
Most Part D plans require a monthly premium. These premiums may change each year.
You will be notified of these changes in the fall prior to the annual Open Enrollment Period.
All Medigap plans require that you continue to pay your Part B premium and a separate premium for Medigap coverage.
Deductible
Some plans have deductibles.
Some plans have deductibles.
Some plans have deductibles.
Copays
There may be copayments that apply to specific services.
Many Part D plans require a fixed copayment each time you fill a prescription.
There may be copayments that apply to specific services.
Coinsurance
May apply to specific services.
Some plans require that you pay coinsurance for a medication every time you fill a prescription.
Coinsurance varies depending on the plan.
Coverage Gap
All plans have an annual limit on your out-of-pocket expenses.
Most Medicare Part D plans incorporate a cost-sharing feature commonly referred to as a coverage gap or "donut hole."
The coverage gap represents a temporary threshold wherein you are accountable for covering all of your drug expenses until you reach the plan's annual out-of-pocket limit. Once you reach this limit, you will only be responsible for paying a small portion of your prescription costs for the remainder of the year.
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Silver and Secure, LLC is committed to serving you at the highest level with all your Medicare needs.
National Producer Number: 19555944
DISCLAIMER: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Company
Directories
Legal
Silver and Secure, LLC is committed to serving you at the highest level with all your Medicare needs.
National Producer Number: 19555944
DISCLAIMER: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Company
Directories
Legal