What Services Do We Provide?

Our service package includes first comparing Medicare Advantage (Part C) and Medigap (Medicare Supplement) and then checking to see if your doctors participate with the plan that you're considering. It's important to note that you cannot have Medicare Advantage and Medigap at the same time, so comparing the two in detail is a crucial step in the process.

You could spend a Sunday afternoon wading through the charts at the New York State Department of Financial Services website and do your own Medigap plans comparison, but we have access to privileged information that we have compiled over many years – our own library, if you will, of Medigap and Medicare Advantage health insurance data from various sources. We'll share this information with you either in-person or over the phone. Best of all, this is a resource that will be valuable for years to come. As healthcare continues to reform, we will be there to discuss the changes and how they impact you.

In addition to discussing the differences between Medigap and Medicare Advantage, we will check your prescriptions to confirm that they're included in the formulary list of the plan in question. Then we look at the monthly cost and present you with a doctor and Rx report. If that's agreeable to you, we complete the enrollment forms for your signature and submit your application to the insurance company. We follow up in a few days for your approval and ID #.

After that, we're available to discuss anything with you, whether it's three weeks, three months, or three years after you enroll with us. We do not just enroll you in a plan and say, "Good luck." We're available for you for the next 30 years. For instance, you may want to call us if you have a doctor that you must see and that doctor does not participate with the plan your currently enrolled in. Our job will be to help you find a plan that this doctor participates with and help you switch plans through a special enrollment period (SEP).

Another reason why you may want to call us is if you have an Rx that is very expensive, we can check if that Rx is cheaper on any other Part D health plan's Rx formulary list, or perhaps see if you qualify for state programs like Elderly Pharmaceutical Insurance Coverage (EPIC) or federal programs like Low Income Subsidy (LIS). We'll help you understand the benefits and guidelines of these programs and, if you qualify, help you enroll and save you hundreds of dollars on your prescriptions every month.

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