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Fast Fact: Most people become eligible and sign up for Medicare around age 65 during their 7-month Initial Enrollment Period.

Quick Tip: Medicare Advantage plans work differently from Medigap plans, so make sure you understand all the differences between the two before signing up for an Advantage plan.

The word Formulary means a list of prescription drugs covered by a prescription drug plan or another insurance plan offering prescription drug benefits. Also called a drug list.

Important Reminder: The Medicare Annual Enrollment period will end Saturday, December 7th.

Lifetime reserve days are in Original Medicare, these are additional days that Medicare will pay for when you're in a hospital for more than 90 days. You have a total of 60 reserve days that can be used during your lifetime. For each lifetime reserve day, Medicare pays all covered costs except for a daily coinsurance.

Hospital indemnity insurance is a type of plan that pays a set amount – per day, per week, per month, or per visit – if you’re confined in a hospital. The Hospital Plan is a hospital indemnity insurance plan.

A Medigap plan helps cover your portion of cost sharing with Medicare, including deductibles, copayments, and coinsurance.

Turning 65 soon? Starting to feel overwhelmed by your Medicare choices? Contact us today to request a no obligation consultation.

A Medicare Enrollment Period is a specific window that allows you to enroll in Medicare or a Medicare plan.

Fast Fact: Medicare Special Needs Plans (SNPs) are a type of Medicare Advantage plan.

Original Medicare with a Medigap plan gives you very comprehensive coverage. The primary differences are that with Medigap plans, you can see any doctor that accepts Medicare. You don’t have to ask your doctors if they take your specific Medigap insurance company. The network is Medicare, which has over 1 million contracted providers across the nation.