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HEALTH INSURANCE FOR MEDICARE
BENEFICIARIES







NOTE:  IF YOU’RE ON MEDICARE AND LIVE IN AL, CA, FL, GA, LA, NC, SC, OK OR TX AND WERE NOT ABLE TO MAKE A PLAN ELECTION FOR A PART C (MEDICARE ADVANTAGE), PART D (DRUG) OR MEDICARE SUPPLEMENT PLAN DURING THE ANNUAL ENROLLMENT PERIOD ENDING 12/7/17, YOU MAY BE ELIGIBLE TO ELECT A PLAN THROUGH 12/31/17. CALL US AT 877-734-3884 FOR DETAILS AND FOR HELP IN MAKING AN ELECTION


We're certified to sell Medicare Supplement, Medicare Advantage, and Part D Prescription Drug plans.  We're happy to answer any of your questions about Medicare, as well as questions about any of your options.  Please call us at 877-734-3884.  We'll answer general questions as well as questions about specific Medicare Supplement plans at any time.  Federal regulations restrict us to answering questions about specific Medicare Advantage and Part D Prescription Drug plans to periods when you're eligible to enroll, BUT we can answer general questions about these types of plans at any time.  Please see these sections for additional information:

 

 

Medicare Overview Medicare Supplement Plans Medicare Advantage Plans  Part D Prescription Drug Plans

What You Need to Decide

Your biggest decision, and the one to make first, is whether you want Original Medicare (Part A and Part B) or Medicare Advantage (Part C). They cover the same basic services, but they work differently.  Your choice depends on what you need.

Once you decide, you'll have other choices to make:

If you choose Medicare Advantage, you'll have to pick a particular plan and decide whether or not you want a plan that includes coverage for outpatient drugs; 

 BUT

If you choose Original Medicare, you have more choices to make:  

  • You can elect to stay in Part A and B ("Original" Medicare) only.  
  • You can choose to supplement Original Medicare (Parts A and B) with a Medicare Supplement (also called "Medigap") plan. Medicare Supplements are standardized in all states except MA, MN, and WI.  There are 10 basic standardized plans as well as the HiF variation. Depending on your state, zip code, and carrier, one or more of the standardized plans may be available in a Medicare SELECT version.
You'll also need to decide whether you want a Medicare Part D Prescription Drug plan to cover your outpatient medications.

The following chart outlines your choices. You can obtain additional information by looking at the Medicare Overview, Medicare Supplement Plans, Medicare Advantage Plans, and Part D Prescription Drug Plans pages.