Are you turning 65 soon? Considering switching plans during Open Enrollment this year?
There are many considerations that go into choosing the right Medicare plan for your needs. It can be more than a little overwhelming! Luckily, our independent agency is here to help.
No matter what your situation, it all starts with deciding between three main options. Option one, which is only available at 65, is to delay the start of Medicare coverage and instead continue to be covered by your or your spouse's employer plan. However, if you are not covered by an employer plan, you must choose between option two, Original Medicare (potentially combined with Part D and/or a Medigap/Supplement Plan), or option three, a Medicare Advantage Plan (MA).
Each of these Medicare plan options come with different benefits, costs, and rules; hence, it is important to weigh both options carefully before choosing. Our independent agency offers Medicare Supplement and Advantage insurance plans direct from several highly rated carriers. Our quotes and information are accurate and unbiased. We can help you shop for the lowest rates with the most dependable Medicare Supplement carriers in Pennsylvania.
A good place to start is the pamphlet "Medicare & You", published by the U.S. Center for Medicaid & Medicare Services.
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Using a brokerage like ours eliminates the hassle of calling each company on your own. We offer their rates direct to you at no additional cost. For example, provide me a list of medications, dosage and frequency and let me help you determine which plan to enroll in. Enrolling in the incorrect plan can be confusing and costly. We’ll make sure you can continue to visit your local pharmacy with the lowest offered copays. We also provide important information about discounts, renewal history, rate stability and customer service.