Specializing In Medicare - Since 1989

Part D is a supplement to original Medicare (Parts A & B) by providing additional prescription drug coverage. They can be attached to regular Parts A and B, Medicare Supplement Plans (also known as Medigap Plans), some Medicare Cost Plans, some Medicare Private-Fee-for-Service Plans, and Medicare Medical Savings Account Plans. These plans are offered by private insurance companies approved by Medicare. Prescription drug coverage may also be included by Medicare Advantage Plans and follow same rules Medicare Prescription Drug Plans.

Medicare Supplement Plans, also known as Medigap, are designed to fill in the coverage gaps of Original Medicare A & B. Most of them will cover Medicare Co-Insurance and deductibles. Medigap plans are also provided by private insurance companies who are contracted through the government.

Medicare SNPs are a type of Medicare Advantage Plan (like an HMO or PPO). Medicare SNPs limit membership to people with specific diseases or characteristics such as limited income. Medicare SNPs tailor their benefits, provider choices, and drug formularies to best meet the specific needs of the groups they serve. Chronic Condition SNP (C-SNP): You have one or more of these severe or disabling chronic conditions: Cardiovascular disorders, Chronic heart failure, Diabetes, Chronic lung disorders, End-Stage Renal Disease (ESRD). These plans can be changed once a quarter every calendar year.

For people 64yrs to 64yrs 11months this is Pre-Medicare coverage is great for couples with one spouse not yet Medicare age. If you are in good health and need a quick solution to fill a coverage gap until Medicare-eligible.