Medicare Policy Choices

Medicare DOES NOT cover all of your Healthcare costs!

Having a supplemental insurance or “Medigap” Insurance is key to making sure you are fully covered.

Medicare Advantage/Prescription Drug Plan Coverage options for medicare recipients.

Let us help you navigate Medigap, Medicare Advantage, prescription drug plan coverage and make sure you have the appropriate health coverage.

Why Do I Need Supplemental Insurance if I have Medicare?

An Original Basic Medicare policy typically covers just 64 percent of your annual health-care costs. Add in deductibles, co-payments, and coinsurance Medicare requires – not to mention those items Medicare doesn’t cover at all – and estimates are that a typical couple will ultimately need to cover the medical expenses not covered by Medicare. Which is why 90 percent of Medicare beneficiaries have some form of supplemental insurance.

What are Medigap Plans and Medicare Advantage Plans?

These types of insurance policies and benefits are standardized and regulated by the state and federal government and the Center for Medicare Services (CMS). However, the cost of these plans is not regulated.

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This website and its contents are for informational purposes only.

Nothing on this website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.  This information is not a complete description of benefits. Contact the plan for more information.  Limitations, co-payments and restrictions may apply. Benefits, premiums, and member cost-share may change on January 1 of each year.  You must continue to pay your Medicare Part B premium.

The purpose of this communication is the solicitation of insurance. Contact will be made by a licensed insurance agent/producer or insurance company. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. is not a licensed agency, it is information gathering for distribution and is privately owned and operated. is a non-government affiliated resource for those who depend on Medicare, providing Medicare information in a simple and straightforward way. If you’re looking for the government’s Medicare site, please navigate to