The Coleman Agency

Medicare Supplement plans do not cover prescription medications. If you need drug coverage, you'll typically need to enroll in a separate Medicare Part D prescription drug plan.

If you don't enroll in Part B when you're first eligible and don't have other qualifying coverage, you may face a late enrollment penalty that could increase your premium for as long as you have Part B.

Many Medicare Supplement (Medigap) and Medicare Advantage plans require you to be enrolled in both Medicare Part A and Part B before you can join their plans.

Preventive Services Are Important: Medicare covers many preventive services, including annual wellness visits and certain screenings. Taking advantage of these benefits can help you stay healthier and catch potential issues early.

Don't Assume Your Doctors Are Covered: Before enrolling in a Medicare plan, always check whether your preferred doctors and hospitals participate in the network. A few minutes of research today can help prevent surprises later.

Prescription Drug Formularies Change: Medicare drug plans can change their covered medications and costs each year. Reviewing your plan during the Annual Enrollment Period can help ensure your prescriptions remain affordable.

Medicare and Travel: If you travel frequently, it's important to understand how your Medicare coverage works away from home. Some plans may offer more flexibility and broader access to care than others.

Medicare Is Not One-Size-Fits-All: The best Medicare plan for one person may not be the best plan for another. Your doctors, prescriptions, budget, and lifestyle all play a role in choosing the right coverage.

“Summer means happy times and good sunshine.”

In-network Coinsurance is your share (for example, 20%) of the allowed amount for covered health care services. Your share is usually lower for in-network covered services.