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Medicare open enrollment starts October 15, 2022, and the Affordable Care Act 2023 open enrollment starts November 1, 2022. Get started by scheduling your appointment and completing your enrollment forms.
The team at David A. Crotts & Associates is here for medicare plan enrollment assistance, as well as help with Medicare Supplement Plans like Medicare Advantage (Medicare Part C) and Medicare Part D.
If you are enrolling in Medicare or are looking to change plans, you may wonder which plan is best for you. Medicare does not offer a one-size-fits-all plan therefore select the plan that best meets your healthcare needs. When deciding which plan to enroll in, you must first choose between a Medicare Advantage plan and a Medicare Supplement plan.
GET STARTED - MEDICARE OPEN ENROLLMENT
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
A Medicare Advantage Plan is a health plan offered by a private insurance company that works directly with Medicare to provide you with all their traditional Part A and Part B benefits. It is structured to be an all-in-one option with low monthly premiums.
Medicare Advantage Plans Include:
Medicare Supplement Plans, also known as Medigap, serve to bridge the gaps between traditional Medicare (Part A & B) coverage and out-of-pocket expenses. Medicare Supplement Insurance (Medigap) policies sold by private companies can help pay for some of the remaining health care costs for covered services and supplies, like copayments, coinsurance, and deductibles.
All plans are standardized by the government and must follow federal and state laws designed to protect you. However, while the benefits are the same from one company to the next, there are still many options to choose from, and premiums and extra costs may vary significantly. It is important to be well-versed in those options before sitting down to make a decision.
For Medicare recipients with high prescription drug costs, Medicare Part D offers viable solutions. Medicare Part D, also known as Medicare Prescription Drug Plan (PDP), is optional insurance coverage that helps you pay for prescription drugs. Medicare Part D can be purchased as a stand-alone plan or as part of an MA-PD (Medicare Advantage Prescription Drug).
There are two ways to get Medicare drug coverage (Part D):
There are no physical exams required and applicants cannot be declined due to medical history or history of prescription drugs. While plans may vary, there are several mandatory standards set by the federal government. Medicare can be a daunting program, but at David A. Crotts & Associates, we can assist in guiding you through all the details and help you decide which plans are best for you.