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What are my options?

Original Medicare

Medicare Parts A & B

Your group may require Medicare Parts A & B

Part D Prescription Drug
Plan may be included or
purchased separately

Employee or
Retiree Group Coverage

You must have
Medicare Parts A & B

Part D Prescription Drug
Plan can be purchased separately

Medicare
Advantage Plan

You must have Medicare Parts A & B

Part D Prescription Drug
Plan may be included, 
purchased separately or
prohibited

(HMO,HMO-SNP,PPO,
PFFS)

Medicare
Supplement
Medigap Plans A-N

Medicaid and Medicare
Advantage Plan

You must have Medicare Parts A & B

Part D Prescription Drug
Plan is included

(HMO,HMO-SNP,)
Step 1
Your first option is to select Medicare Parts A and B. Not many folks stop there but it is an option.

Original Medicare
Medicare Parts A & B

Assign (transfer) Medicare

Your next two options involve a choice...

Supplement Medicare

Step 2 & 3
If you choose to supplement Medicare, you may select one of two options if available to you.
You may choose a federally standardized Medicare Supplement also known as Medigap or group insurance from your current employer ( employer group) or a previous employer (retiree group).

Supplement Medicare

Employee or
Retiree Group Coverage

Your group may require Medicare Parts A & B

Part D Prescription Drug
Plan may be included or
purchased separately

You must have

Medicare Parts A & B

Part D Prescription Drug
Plan can be purchased separately

Medicare
Supplement
Medigap Plans A-N

Step 4 & 5
If you choose to replace your Medicare benefits, you may choose one of two options, If available to you. You may choose a federally standardized Medicare Advantage Plan, also known as Part C, or Medicare if you qualify financially.

Assign (transfer) Medicare

Medicare
Advantage Plan

You must have Medicare Parts A & B

Part D Prescription Drug
Plan may be included, 
purchased separately or
prohibited

(HMO,HMO-SNP,PPO,
PFFS)

Medicaid and Medicare
Advantage Plan

You must have Medicare Parts A & B

(HMO,HMO-SNP,)

Part D Prescription Drug
Plan is included

Some things to keep in mind

Keeping
your
Doctors

Is keeping your doctors important?
1.  Search all Medicare Advantage networks in your geographic area to determine the networks in which your doctors participates.
2. If you find your doctors, then you may consider the Medicare Advantage plans a viable option.
3. If you do not find your doctors you  may consider Medicare and a Medicare Supplement (Medigap) your viable option.

Saving on
Drugs

Is saving money on prescription drugs important?
1.  Make a list of exactly what you take. The exact name of the drug, the dosage and amount needed for each day. If mail order is more cost effective the plan will reveal the results automatically.
2. Visit Medicare's website (www. Medicare.gov) to review every drug plan from every company at the same time.

Saving on Monthly Premiums

Would having the lowest monthly premium be important?
1.  Schedule time with one of our certified planners to review every plan from every company at the same time. We are available via chat, Facetime, in person, Skype or telephone. We will likely save you thousands in unnecessary premiums, co-pays and deductibles. 
2.  Attend an informational workshop in your area.

Attend a workshop

Located at your public library

Learn how Medicare works in a short 45-minute presentation

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