WHO ARE THEY BEST SUITED FOR?

• Individuals who can afford to pay a higher monthly premium (typically around $150–$180) in exchange for broader coverage and fewer out-of-pocket costs
• Those who want the freedom to choose any doctor, specialist, or hospital that accepts Medicare — with no network restrictions
• People who travel frequently and want coverage that travels with them anywhere in the U.S.
• Snowbirds who maintain residences in more than one state and need seamless access to care year-round

WHO ARE THEY BEST SUITED FOR?

• People who prefer lower monthly costs or don’t want to pay for Medicare Supplement Insurance
• Those who want prescription drug (Part D) coverage included in their plan
• People who don’t plan to spend extended periods of time outside their service area
• Those who appreciate having multiple companies and plan designs to choose from
• People who value extra benefits not typically covered by Original Medicare, such as dental, vision, hearing, or fitness programs
• Military retirees or veterans who have VA benefits and want additional civilian healthcare options
• People who are under 65 and eligible for Medicare due to disability
• Those who qualify for AHCCCS (Medicaid) and have Medicare Parts A & B — also known as dual eligibility

PROS OF A MEDICARE SUPPLEMENT:

• Freedom to choose providers – See any doctor, specialist, or hospital in the U.S. that accepts Medicare — no provider networks or referrals required.
• Predictable costs – Most out-of-pocket expenses are covered, giving you more financial peace of mind and fewer unexpected medical bills.
• Nationwide coverage – Perfect for travelers, snowbirds, or anyone who splits time between states — your coverage goes wherever Medicare is accepted.
• No need for prior authorizations – You and your doctor make healthcare decisions without waiting for insurance plan approvals.
• Stable coverage – As long as you pay your premium, your plan benefits and access to care remain consistent year after year.
• Simplicity – Works directly with Original Medicare, so there’s no need to navigate changing plan networks or annual benefit adjustments.

PROS OF A MEDICARE ADVANTAGE PLAN:

• Lower monthly costs – Many plans have low or even $0 premiums, making them a budget-friendly alternative to a Medicare Supplement plan.
• All-in-one coverage – Combines hospital, medical, and often prescription drug (Part D) coverage under a single plan.
• Extra benefits – Many plans include dental, vision, hearing, transportation, over-the-counter allowances, and fitness memberships — benefits not covered by Original Medicare.
• Coordinated care – Plans often include provider networks that help coordinate care between your doctors and specialists.
• Out-of-pocket protection – Each plan includes a yearly limit on what you’ll spend for covered medical services.
• Variety and flexibility – Choose from multiple plan options offered by different insurance companies, tailored to fit different needs and budgets.

CONSIDERATIONS AND LIMITATIONS OF A MEDICARE SUPPLEMENT:

• Monthly premiums – You’ll pay an additional premium (typically $150–$180 per month) on top of your Medicare Part B premium.
• Part B deductible – You’re responsible for the annual Medicare Part B deductible ($257 per year in 2025).
• Separate drug coverage – Prescription drug coverage (Part D) must be purchased separately, with costs ranging from about $10–$90 per month depending on the plan.
• Limited extra benefits – Medigap plans do not include dental, vision, hearing, fitness, transportation, or over-the-counter (OTC) benefits, though discount programs may be available for some services.
• Medical underwriting – After your initial six-month Medigap enrollment window (when you turn 65 and enroll in Part B), you may be subject to health underwriting to qualify for a new Medigap plan or to switch from a Medicare Advantage plan — unless you meet certain guaranteed issue exceptions.
• Separate coverage management – You’ll need to manage your Medigap plan and Part D drug plan separately, rather than having everything bundled together.
• No annual “extras” or network programs – Unlike Medicare Advantage, Medigap plans do not include coordinated care networks or built-in wellness benefits.

CONSIDERATIONS AND LIMITATIONS OF A MEDICARE ADVANTAGE PLAN:

• Cost-sharing – You’ll pay copays and coinsurance for most services. Each plan has an annual maximum out-of-pocket limit (MOOP) to help protect you from high medical costs.
• Provider networks – Access to care is typically limited to the plan’s network of doctors, hospitals, and specialists.
• Out-of-network costs – Seeing a doctor or specialist outside your network may result in higher out-of-pocket expenses or may not be covered at all (depending on the plan type).
• Plan variability – Benefits, costs, and provider networks can change each year, so it’s important to review your plan annually during open enrollment.
• Prior authorizations – Some services or procedures may require plan approval before you can receive care.
• Travel limitations – Coverage is generally limited to your service area, except in emergencies, which may not suit those who travel frequently or live in multiple states.
• Switching restrictions – Moving back to a Medicare Supplement plan later may require medical underwriting unless you qualify for a guaranteed issue period.

Step 1: Contact Us
Reach out to us once your Medicare card arrives. We’ll help guide you through the process from start to finish.

Step 2: Share a Few Details
To provide accurate plan recommendations, please have the following information ready:

• Your ZIP code
• A list of your doctors and medications
• Any chronic conditions (e.g., heart, lung, diabetes, ESRD)
• Preferences for dental, vision, hearing, gym, or OTC benefits
• Your travel needs (especially if you travel frequently or seasonally)
• Veteran status or TRICARE For Life coverage, if applicable

Step 3: Review and Approve Your Scope of Appointment
We’ll email you a Scope of Appointment form to review and approve. This simply gives us permission to discuss Medicare plan details with you.

Step 4: Personalized Plan Comparison
Based on your information, we’ll prepare a custom Medicare Plan Comparison featuring the top 3 plans in your area that best match your unique needs.

Step 5: Review Your Options
We’ll meet in person or via Zoom to walk through your plan options and review the Summary of Benefits in detail, so you can make a confident and informed decision.

Step 6: Enroll With Confidence
Once you’ve selected the plan that fits you best, we’ll handle your enrollment and ensure everything is completed accurately — so you can relax knowing you’re covered.

1. ONLY SPEAK TO TRUSTED CONTACTS
Never engage with someone over the phone or in person unless you initiated the contact.
Licensed Medicare agents cannot legally call you directly unless you’ve given explicit permission — such as by calling them first or responding to one of their approved advertisements.

2. PROTECT YOUR PERSONAL INFORMATION
Never share personal or financial details (like your Medicare number, Social Security number, or bank information) over the phone unless you’re absolutely sure you’re speaking with a verified agent.

3. ASK FOR THEIR NPN
Every licensed Medicare agent has a National Producer Number (NPN). Don’t hesitate to ask for it — this ensures you’re speaking with a legitimate professional.

4. UNDERSTAND YOUR PLAN FULLY
Your agent should clearly explain:

• The plan you’ve selected
• The Summary of Benefits for that plan
• That your providers are in-network
• That your medications have been accurately priced

5. KNOW WHAT HAPPENS NEXT
Your agent should also review the post-enrollment process, including:

• When to expect your Welcome Call
• When your Welcome Kit & ID Card will arrive
• When the next Annual Enrollment Period (AEP) begins
• How to access your Member Portal for added convenience
• How your agent will continue to support you long-term