Medicare Options

You don’t have to specialize in Medicare options to find coverage that fits your needs. Just meet with us, we’ll ask a you few questions and give you smart options to choose from.

Medicare Supplements

Medicare Supplements: sometimes called “Medigap” insurance, help pay for the things traditional Medicare doesn’t. Medicare Supplemental Plans are standardized and are identified in most states by letters. Although the plans are standardized (as an example, a plan F will always have the same benefits), insurance carriers can charge different rates for these plans, so it can be helpful to shop around. If you live in Massachusetts, Minnesota or Wisconsin, Medigap plans are standardized in a different way.

Stand Alone Prescription Drug (Part D)

Medicare Part D plans may help you save on the cost of your prescriptions and by having predictable drug costs this will help you manage your health care budget. The best time to enroll in a Part D plan is during your Initial Enrollment Period (IEP) — which starts three months before your 65th birthday, includes the month you turn 65, and ends three months after your birthday. However, to qualify for a Medicare Part D plan, you need to be enrolled in Part A and Part B first.

Medicare Advantage plans (Part C)

Medicare Part C is another name for Medicare Advantage. Medicare Part C is administered by private insurance companies contracted with Medicare. Medicare Part C covers everything that Original Medicare (Part A and Part B) cover. Unlike Original Medicare, Medicare Part C generally offers coverage for prescription drugs you take at home. The exact prescription drugs that are covered are listed in the plan’s formulary. Formularies may vary from plan to plan.

Medicare Q&A

Why Do I Need a Medicare Supplemental Policy?

Original Medicare Parts A and B leave many gaps in coverage. Part A is hospital insurance, and Part B is medical insurance. A Medicare Supplemental Insurance policy works with Original Medicare so that you do not have to pay deductibles or co–pays, for instance. It also covers services that Original Medicare does not, like healthcare needs while traveling. If you have a Medigap policy, you cannot enroll in Medicare Advantage (Medicare Part C).

What is a Medicare Advantage Plan?

Medicare Advantage Plans are administered by private insurance companies and cover the same services as Original Medicare. They may provide more coverage, too, and there are annual out-of-pocket spending limits. Most of them come with self-administered Prescription Drug coverage. Usually, there are restrictions on where you get your health care services, and you have to be referred to see a specialist.

What is the difference between Medigap and Medicare Advantage?

Medigap Plans allow you to choose your provider, and you don’t need pre-authorization for treatment or a referral to see a specialist. You need a separate Medicare Prescription Plan. You can choose a Medicare Advantage Plan instead of Original Medicare. While a Medicare Advantage Plan may provide more coverage than a Medigap Plan, there may be restrictions on whom you can see or where you can go for your services. If you have a Medicare Advantage Plan, you cannot get a Prescription Drug (Part D) plan. Click here for a breakdown of the differences.

Let's Talk

Office Address

2444C N. Grandview Blvd., Waukesha, WI 53188

Mailing Address

S26W26818 Mac Arthur Rd., Waukesha, WI 53188

Call us to speak with a licensed agent

(262) 777-1919