Monti Family Insurance

Pleasure in the job puts perfection in the work. -Aristotle

The "MOOP" or Maximum Out-of-pocket limit is a yearly amount the federal government sets as the most each individual or family can be required to pay in cost sharing during the plan year for covered, in-network services. Applies to most types of health plans and insurance. This amount may be higher than the out-of-pocket limits stated for your plan.

Medicare 101: A "Deductible is an amount you could owe during a coverage period (usually one year) for covered health care services before your plan begins to pay. An overall deductible applies to all or almost all covered items and services.

A Living Will is a written legal document, also called a "medical directive" or "advance directive." It shows what type of treatments you want or don’t want in case you can’t speak for yourself, like whether you want life support. Usually, this document only comes into effect if you’re unconscious.

Starting to get bombarded with Medicare information in your mailbox? It can be overwhelming! Contact us today to review your situation.

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

Medicare-approved amount is the amount Medicare determines to be reasonable for a covered service. Providers who "accept assignment" agree to accept this amount as payment in full.

Generic prescription drugs are lower-cost alternatives to brand name drugs. They use the same active ingredients as their brand name counterparts and work the same way.

An "Extra Help Program" is a Medicare program that helps people with limited income and resources pay for Medicare Part D prescription drug plan costs, such as premiums, deductibles and coinsurance.

COBRA stand for Consolidated Omnibus Budget Reconciliation Act. It's a law that protects you and your family if you lose your employer-sponsored health benefits. If you qualify for COBRA coverage, then you have the option of continuing your employer-sponsored health plan for a limited period of time.

Fast Fact: There are different times to enroll in an Advantage plan throughout the year, including your Initial Enrollment period, the Annual Election period, and more.