Blog

Many Medicare beneficiaries with Medigap (or Medicare Supplement) have Plan F, the most comprehensive plan.  It pays for both the Part A and B deductibles, the 20% of approved medical (Part B) charges that Medicare doesn’t pay, any Part B Excess charges, and the skilled nursing co-insurance. People have Plan F because they have been told […]

“We do not offer every plan available in your area.  Any information we provide is limited to those plans we do offer.”  (We represent 2 companies and 22 different plans.)  “Please contact Medicare.gov or call 1-800-MEDICARE or contact SHIP to get information on all of your options.” A Medicare beneficiary may choose a “Medigap” (or Medicare Supplement) policy to accompany […]

Part D of Medicare covers prescription drugs.  There are various plans (called “PDP’s”) to choose from.  Unlike Parts A and B (“Original Medicare”), these plans are not offered by Medicare, but by private insurance companies.  The companies offering these plans are, however, highly supervised by Medicare or by the Center for Medicare and Medicaid Services […]

Of the changes coming to Medicare for 2020, here are the two most important. The first is good news:  In Medicare Part D, prescription drug coverage, the oft-criticized “donut hole” has finally disappeared, although many of you may not notice anything. Here are the four stages of coverage in the so-called “Standard Plans:” 1) The […]