Medicare Simplified

We believe that the better educated you are about Medicare, the easier it will be for you to make the right decisions about your Medicare health insurance choices. That's why we've created this resource section.

This Medicare information section is here to educate you about your insurance options and provide you with the resources you need to help you select the right plan for your unique needs.

If there's anything you need or if you have any questions, contact us now at 310-503-0281. We are here to help.

Basic Medicare Points:

Medicare Advantage is most like a Health Plan, you have set Co-Pays, Possibly a Deductible, and an Out of Pocket Limit.  Premium may be from zero monthly to around 100 dollars.  You will have an insurance card, a network of doctors, and a list of Drugs covered by the plan for those that have a Drug plan included (Called MAPD).  Like all Health Plans, procedures will need Prior Authorization by your insurance company before you can expect coverage for that service.

Medicare Supplement is a gap insurance plan, you stay on Original Medicare, the Medicare Supplement Plan can pay the amounts that Medicare A & B do not for Medical Services.  These plans offer the most freedom, Prior Authorization is not required to receive services, but you will need to make sure your services are covered by Medicare and that you are visiting Doctors and Facilities that are contracted with Medicare.  Supplement plans do cost more than Medicare Advantage Plans and they will not include a Drub Plan.

Drug Plans, called PDP are stand alone drug plans, they will have a list of Drugs covered by the plan called a Formulary.  The Plan will have Drug Tiers, each Tier has a specific cost or percentage when you fill a prescription.  If you select a Medicare Supplement Plan, and you do not have Drug Coverage elsewhere, you will need to select a PDP Drug Plan in addition to your Medicare Supplement Plan.