Whether you are NEW to Medicare or CURRENTLY facing collisions with your plan, I can help.  Depending on you current situation, I will be able to assess your needs and recommend a SOLUTION.  You are no longer alone.  Let me ease your health insurance concerns.

Common Questions for New to Medicare recipients:

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• When do I need to enroll into Medicare?

• When do I enroll into my Part B?

• How do I avoid the Part B and Part D penalties?

• Do I need Part D?

• What are my options?

• What is MediGap?

• What are Medicare Advantage Plans?

• Are my doctors in network?

• What will my out of pocket costs be?

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• It is important to know the deadlines of enrolling into Parts A, B, & D.  Penalties could apply depending on your circumstance.  

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• Assessing your current health, doctors, and medications, will allow you and I to make the best decision for your health. 

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• Lets not forget about the financial factor in choosing your health plan.  We will discuss premiums, deductibles, copays/coinsurance's, as well as the possibility for assistance if you qualify.

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• Upon completion of a general assessment, choosing the right option will be more evident; whether that is choosing a Supplement coupled with a Stand-Alone Part D plan OR a Medicare Advantage Route (HMO's or PPO's).

Common questions and problems faced for current Medicare recipients:

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• Medication costs not affordable

• Recently moved to another county

• Prescriptions are no longer covered

• Doctors no longer take my plan

• What is the Donut Hole?

• Many more...

• If you are currently on Medicare, you may have run into some of these scenarios. 

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• Between MediGap, Medicare Advantage, & Part D Plans, there are 50+ Plans offered in Travis County, 56+ Plans for Williamson County, 44+ Plans in Hays County, & 44+ Plans for Bastrop County.

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• Doctors may contract with one carrier one year, and decide not to the next year.  Beginning in 2019 Centers for Medicare & Medicaid Services introduced a new Special Enrollment Period to remedy this problem.  If you are facing this issue, we would need to discuss your options.

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• Whether you are on a Stand-Alone Part D Plan or a Medicare Advantage Plan,which includes your Part D, your plan may change the Formulary from year to year.  This will effect the drugs Tier level, which will in-turn effect the cost share amount.  If this is an issue you face, we would need to discuss your options.

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• Networks and cost sharing may effect the Medicare option chosen:  Supplements/Part D's or Medicare Advantage Plans.