Medicare
We work with all licensed insurers in NJ, NY, DE, FL and PA to provide you with the most cost-effective, quality group and individual plan options. We also provide complete policy management with a streamlined application-to-approval process.
Medicare Part A is automatically assigned at age 65, is usually free to the eligible individual, and provides hospital coverage
Medicare Part B must be elected by the eligible individual, is paid on a monthly basis, and provides coverage for doctor’s visits and outpatient services. To determine your Part B premium, see Medicare Costs. Please note that if you have medical coverage through an employer with less than 20 full-time employees, you must apply for Part B as Medicare A and B are the primary payor (see Coordination of Benefits).
Medicare Part D provides prescription drug coverage and is available through various insurance companies.
Medicare Supplement Plans (“Medigap”) pay for the deductibles and coinsurance not covered under Medicare Parts A and B. These are ‘standardized’ policies which offer the same basic benefits regardless of the insurance provider (see Choosing a Medigap Policy).
Medicare Supplement is available through companies such as AARP, American Continental, Bankers Life, Genworth (recently acquired by Aetna), Gerber, Mutual of Omaha and many others. Contact us to receive a personalized quote comparing options and rates. Below is a list of current rates with the most competitive carriers:
- AARP Rates:
- New Jersey
- Pennsylvania (rates retained through March 31, 2012)
- Pennsylvania (rates good April 1 - December 31, 2012)
- New York (rates retained through December 1, 2012)
- Delaware (rates retained through March 31, 2012)
- Delaware (rates good April 1 - December 31, 2012)
- Aetna
- American Continental Life/Genworth Rates:
- Mutual of Omaha:
Medicare Advantage Plans (Part C) provides full inpatient/outpatient coverage with copays and includes prescription drug coverage. Contact us for more information.