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Helping you understand Medicare. As your Trusted Advisors, we are able to guide Medicare recipients through the ABC’s of Medicare and make Medicare Clear!
Medicare Insurance and Rx Plans
Signing up for a Medicare Plan and Rx Plan can be a bit daunting at first glance.
From day one, we will become your advocate. Educating clients on the different types of Medicare insurance and Rx plans available and finding the right fit, is what raises us above all other brokers. Not only will we find the right fit the first time, but we will reassess your needs on a yearly basis or as your needs change. We all know that our needs today might not be the same as tomorrow’s.
As Independent Insurance Brokers, we proudly represent all companies in Connecticut. By being independent we can shop and choose the best plan amongst all companies. If you have any questions concerning Medicare insurance and Rx plans, we will be glad to provide an in-home consultation at no obligation or cost to you!
An Overview of the Plans Offered
Medicare Advantage Plans
- Help pay for hospital costs, doctor’s visits, and other medical services.
- May also include built-in Medicare prescription drug coverage (Part D) often at no additional premium.
- Have an out-of-pocket maximum that helps limit health care expenses.
- Typically provide additional benefits, like health and wellness benefits, that Original Medicare doesn’t cover.
- Have plan premiums not based on age or health.
- Combine all benefits and services in one plan.
- Come in several different forms:
- Health Maintenance Organizations (HMOs)
- Preferred Provider Organizations (PPOs)
- Point of Service (POS)
Medicare Part D Rx Plans
Medicare Part D Rx Plans help cover the cost of the member’s prescription drugs.
Here are some of the main features of a Part D Rx plan:
- Provide help with the cost of prescription medications.
- Are only offered through private insurance companies.
- Are usually offered two ways:
- As a standalone plan to add coverage to Original Medicare Parts A and B and to complement a Medicare Supplement plan.
- As part of a Medicare Advantage (Part C) Plan.
- Have a specific list of approved drugs they cover (called a formulary or drug list).
Guiding you to the plan that best meets your unique needs is our goal!
Medicare Supplement Plans
Medicare Supplement plans (also called Medigap) are private health insurance specifically designed to supplement and work only with Original Medicare.
Here are the main features these plans offer:
- Help reduce or eliminate money paid out of pocket for care received (deductibles, copayments, and coinsurance).
- Standardized plans that are identified by letters – A through N.
- Are only offered through private insurance companies.
Hartford County
Middlesex, New Haven, & New London Counties
Copyright 2015-2024 Insurance Plans CT – The plans we represent do not discriminate on the basis of race, color, national, origin, age, disability or sex.
To learn more about a plan’s nondiscrimination policy, please visit their website.
We do not offer every plan available in your area. Currently we represent Aetna, Amerigroup, Anthem, CarePartners, Cigna, Clover, ConnectiCare/Emblem, Highmark, Humana, Molina, UnitedHealthcare and WellCare organizations which
offer 100 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Authorized licensed agents for Anthem Blue Cross and Blue Shield, an independent licensee of the Blue Cross Blue Shield Association.
SureBridge® is a registered trademark used for both insurance and non-insurance products offered by subsidiaries of HealthMarkets, Inc. Supplemental and life insurance products are underwritten by The Chesapeake Life Insurance Company®. Administrative offices are located in North Richland Hills, TX. Products are marketed through independent agents/producers.
