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My Medicare Insurance
Medicare Insurance
Medicare Insurance
We are a Michigan based company
1-888-868-7002
A Full Benefits Company
Most basic plans are sufficient if your annual costs are close to $2,250.
Medicare Part D insurance premiums are reasonable with basic plans and range from a low of $12 or so, up to about $40 per month.
If your annual retail prescription drug expenses are beyond $2,250, then you will need a more comprehensive Medicare part D supplemental plan.
Discuss your annual prescription costs with your pharmacist to find out what you
would pay if you had "No Insurance". This is important because basic Medicare Part
D coverage is only good up to $2,250 for most medical insurance plans.
Once you spend
beyond $2,250 you are into the "Doughnut Hole" with most Medicare Part D plans and
it is at that point your coverage ends.
You continue paying monthly premiums while
in the "Doughnut Hole" with Medicare Part D, but there is "No More Coverage" until
you reach the catastrophic area which is pegged at $5,100.
A growing number of seniors
will not reach the catastrophic area in Medicare Part D and will be stuck paying
100% when they go beyond $2,250 if you choose the wrong plan. Medicare Supplements
should be purchased based on price, and service. Coverage on Medicare Supplements
is standardized, only the rates are varied. The Medicare Supplement policy that you
choose during the open enrollment period may be the most important decision you make
for your healthcare retirement needs. The savings that you thought you had shrinks
dramatically the further your prescription expenses surpass $2,250 in the Part D.
Got questions? Give us a call, we will be more than happy to discuss your healthcare
options.