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The team at David A. Crotts & Associates is here to help you understand and explore your Medicare Options, including Medicare Supplements, Medicare Advantage Plans, and Prescription Drug Plans. Whether you are getting ready to retire, turning 65, or are already enrolled in Medicare, our agents will never charge a fee to answer your questions or assist you with the enrollment process.
Medicare plans are not always one size fits all and you don’t have to navigate this process alone. We are here to help!
We do not offer every plan available in your area. Currently, we represent 10 organizations that offer 60 plans in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Insurance Health Plan to get information on all of your options.
Medicare Advantage plans are offered by private insurance companies to manage your Medicare Part A (inpatient) and your Medicare Part B (outpatient) benefits. These plans are required to meet CMS guidelines and must be as good or better than the original Medicare.
To qualify for a Medicare Advantage Plan “Part C”, you must be enrolled in Part A and Part B, also known as “Original Medicare”.
There are many different types of Medicare Advantage plans tailored to meet individual needs. Some offer Prescription Drug Coverage, while others do not. They may include additional benefits that Medicare alone does not offer, and those options vary from plan to plan.
It is important to note that Medicare Advantage Plans are NOT the same as Medicare Supplements, and you cannot have both at the same time.
Medicare Supplement plans, often referred to as a “Medigap” plan, offer additional coverage that you can purchase from private insurance companies to fill in the “gaps” of Original Medicare.
Medicare Supplement (Medigap) plans are standardized by CMS, meaning that each specific plan must cover the same benefits no matter the carrier. These plans vary in terms of premium, and some offer additional benefits.
“Original Medicare” does not offer coverage for prescription drugs. To fill this need, Medicare Part D was created to offer optional Prescription Drug Plans to individuals enrolled in Medicare. These plans are offered by private insurance companies and must meet CMS guidelines. While this coverage is optional, if you choose not to join a Prescription Drug Plan when first eligible, you may incur a permanent late enrollment penalty if you decide to enroll at a later date.
Stand-Alone Prescription Drug Plan
These plans offered by private insurance companies are an addition to Original Medicare medical coverage and ONLY cover Prescription Drugs.
Medicare Advantage Plan (Part C)
Some Medicare Advantage Plans include Prescription Drug Coverage as well as medical coverage, rolled into one plan.
CMS does not allow a Medicare enrollee to have a Medicare Advantage Plan that includes Prescription Drug Coverage simultaneously with a Stand-Alone Prescription Drug Plan.
At David A. Crotts & Associates, we know that Medicare may seem complicated and overwhelming. Our agents are licensed, certified, and ready to walk you through each part, step by step, and assist you in choosing a plan that fits your lifestyle.