Medicare Supplement, Advantage & Prescription Drug Plans

Find the right fit to help manage costs.

Medicare supplement insurance in Southwestern OH including Dayton, Xenia, Jamestown and Beavercreek.

Medicare supplement insurance can be a complicated topic. Our experts can help you to determine which plan is the best fit for you.

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Medicare insurance is a government-sponsored health insurance program available to most people aged 65 or older and who have paid into Social Security. It’s divided into several sections with differing costs and choices.

Medicare Supplement insurance plans (also known as Medigap) help pay for things that original Medicare doesn’t cover, like your deductibles, copays and coinsurance. You can see any doctor that accepts Medicare patients without a referral, and you’ll have a monthly bill that’s predictable and budget-friendly. You can even buy dental and vision insurance.

Part A covers hospital treatment costs. In most cases there’s no premium payment, but recipients pay a deductible and also pay some coinsurance depending upon their medical treatments throughout the year.

Part B covers medical treatments outside of hospitals. Part B has an annual premium that is dependent on the recipient’s income and Social Security benefits. Recipients also pay a deductible and coinsurance.

Medicare recipients can also opt to take out a Medicare Advantage plan. Medicare Advantage plans, sometimes called Part C, are a way to get all the benefits of Original Medicare’s Part A (hospital) and Part B (medical) and often Part D (prescription drug benefits) in one plan with an affordable premium and more choice over the balance of costs and coverage. They may also get coverage for services such as vision, hearing and dental that aren’t covered by ordinary Medicare.

Whichever plan you choose, the costs of prescription drugs are covered by Part D. Part D is Medicare’s prescription drug program offered through private insurers. Most Medicare customers choose to add this on to complete a Medicare Supplement insurance plan or offer additional savings to Original Medicare.

HMO: With an HMO plan, you choose a primary care physician (PCP) who you see for all your check-ups and regular exams. Your PCP also directs you to specialists when you need them. With HMOs, you’ll save on doctor visits and can pay premiums as low as $0.

PPO: With a PPO, you pick a primary care physician (PCP) for check-ups but can choose any doctor or specialist in your network without a referral. You can also see doctors outside your network but services may cost more.

Medicare insurance can be a complicated issue, so please contact us today if you want to talk about your options.

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