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We want you to be informed about your insurance benefits

Traditional Medicare or Medicare Advantage Plan?

Which way do I go?  Do I choose a Medicare Advantage plan that has a built in pharmacy benefit?  Or do I go with Traditional Medicare and get a separate part D plan and a separate supplement…and then which supplement?  Which one is less expensive?  These are all...

Which Doctors Can I Go To When I am On Medicare?

In the world of Medicare you have several choices, but the first is to decide whether to go with “Traditional” Medicare or with a Medicare “Advantage” plan.  What doctors you can go to will be highly impacted by this decision.  With Traditional Medicare (also called...

When Your 80/20 Becomes 65/35

Part B of Medicare works like an 80/20 plan.  Hypothetically, if an office visit were to cost $100; Medicare would pay $80 and you would pay $20.  That's not a bad deal at all.  Did you know that there are times when that is not the case?  Some doctors will work with...

What if Medicare Did Not Exist?

Think about this...what if Medicare didn't exist? The least expensive policy (outside of Medicare) I can get a 65 year old is a High Deductible plan for over $500 a month in premium. However, Medicare does exist and the most expensive Mac Daddy Cadillac plan available...

What is the Part A Deductible?

The Part A deductible can change a little from year to year just as other parts of medicare do.  For 2016 the deductible is $1288 per benefit period for hospitalization.  That begs the question, "what is a benefit period?"  Let's say you enter the hospital today....