Libby Agency

At Libby Agency, LLC, we understand the importance of securing the right Medicare insurance to meet your needs. Our team in Augusta, ME is dedicated to providing personalized service and expert guidance to help you navigate your options.

Fast Fact: An “advanced coverage decision” is a notice you get from a Medicare Advantage Plan letting you know in advance whether it will cover a particular service.

“It is never too late to be what you might have been.” ― George Eliot

Medigap Fast Fact: It’s Medicare Supplement Insurance sold by private insurance companies to fill “gaps” in Original Medicare coverage.

Plan C covers all the gaps in your Medicare coverage, except Medicare Part B excess charges.

When you enroll in an Advantage plan (Medicare Part C), you agree to receive your Medicare benefits through that private plan instead of through Original Medicare.

Quick tip: Plan A is a type of Medigap plan that helps fill in the gaps in Medicare.

Medicare Part D is a federal program that began in 2006. It provides Medicare beneficiaries with access to retail prescription drugs at affordable copays.

Quick Tip: Your Medicare eligibility does not depend on your Full Retirement Age or Social Security eligibility.

If you are 65+ (or turning 65 soon) and will have both Medicare and Employer Coverage because you are still actively working, you will have a number of things to think through. Contact us for a consultation.

Many people new to Medicare feel surprised to find that Medicare covers only 80% of your Part B expenses. The other 20% can be devastating to you financially if a serious illness arises. You can choose a Medicare Supplement that will pay some or all of that 20% for you, among other things.

Getting “Preauthorized” means a decision by your health insurer or plan that a health care service, treatment plan, prescription drug or durable medical equipment is medically necessary.