Medicare
FAQs / Updates
We believe in keeping you up to date.
How to apply for Social Security and Medicare Benefits:
Apply and Sign up for Medicare
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Commonly Asked Questions
Q: What are the changes for Medicare Part D?
Good news! Medicare will, and your Part D plan will pay all of your drug costs in the Catastrophic Phase in 2024 due to the Inflation Reduction Act of 2022 for people on Medicare.
Medicare Part D has four parts, each with different rules about who pays for what.
- Deductible Phase: You pay all drug costs up to a certain amount.
- Initial Coverage Phase: You pay your plan’s copay or coinsurance amount, and your Part D plan pays the rest.
- Coverage Gap Phase: You pay 25 percent of your drug costs, whether they’re brand-name or generic.
- Catastrophic Phase: Medicare and your Part D plan will pay all of your drug costs.
Q: What's the difference between Medicare Advantage and Medigap?
Before Medicare open enrollment begins later this year, we wanted to share the pros and cons of Medicare Advantage plans and Medicare supplemental (Medigap) plans. They’re both great options, but one may work better for you. Let’s dive into the key differences 🩺
I know it’s a lot to take in, so review these details and drop us any questions that come up.
Q: What Are the Medicare Inclusions and Differences?
We’ve been getting a lot of questions about 2023 Medicare coverage and costs lately, so we put together a quick guide to break it all down. Medicare can be confusing, but we’re here to help! Here’s a summary of the expenses you can expect in 2023:
🔹 Part A: $1,600 deductible + variable coinsurance fees
🔹 Part B: $164.90 monthly premium + $226 deductible, with 20% of costs after deductible
🔹 Part D: Monthly premiums vary (average projected premium in 2023 is $31.50)
Remember, these figures can help estimate your Medicare expenses, but other factors come into play too:
💡 Income level and Medicaid eligibility
💡 Geographic location
💡 Part C selections
💡 Participating providers
💡 Approved vs. denied claims
💡 Supplemental insurance If you have any questions or need more info, feel free to reach out! We’re here to assist you.
Articles and Updates
Merry Christmas
FYI - ACA Open Enrollment Has Begun
📣 ACA Open Enrollment Alert!
📅 From November 1 to January 15, you can sign up for a new plan or make changes to your existing one. Don’t miss the opportunity to secure the best coverage for the upcoming year!
💬Plus, if you’d like personalized guidance, we’re just a phone call away. Your peace of mind and well-being are our top priorities.
Call or email us with any questions
Thanksgiving Is Right Round the Corner!
Before the Thanksgiving madness takes hold (in the best way, of course), we want to take a moment to thank you 🧡 And while we don’t want to “pour it on too thick,” your continued trust and support are like the gravy to our mashed potatoes. This holiday, we just want to say that our growth is all thanks to incredible people like you! ✨
P.S. Our office will be closed on Nov 23-24, but we’re back on Nov 27. Wishing you a joyful Thanksgiving from the whole team! 🍁
Reviews
Joseph SaltalamacchiaMarch 25, 2024Margaret Thank you for your professional work to help me finding a perfect health insurance for me your skills are very professional on what you do ! I Thank you so much I will raccomend Margaret for the knowledge and for the time she spend to make you understand thank you again
Graham DavisDecember 12, 2023Sheri was fantastic during the Medicare selection and sign up process. She was very patient and met with me as required. She answered my many questions always with a smile. I would certainly recommend her without any hesitation.
Ronell BallingerDecember 11, 2023My expectations about Medicare were not realistic. Sheri patiently explained the program to me, and answered all of my questions. I was glad to have someone I could trust help me in this process. Highly recommend her services.
M NolanDecember 9, 2023Sheri was a wealth of information and was extremely helpful with us choosing the right plan. She took the time to compare plans and ensured our doctors and medications were included. She is caring and conscientious and is truly and expert in her field. I highly recommend her!
Jacqui GannonDecember 9, 2023Sheri has an impressive knowledge of the Medicare Advantage Plans. She is willing to spend the time it took to educate me in all the options available in my Zip Code. I highly recommend Sheri to anyone needing help understanding the Advantage Plans. She is willing to answer any questions I had, more then once. She was able to help me clarify what was important to me, she then went over the Plans the would meet my needs. She then set up a 3rd. Appointment to answer any new questions I had and sign up for the Plan of my choice.
Case WhittemoreDecember 9, 2023Sheri Gaul was very helpful when I was weighing my health insurance options. Her knowledge of the options saved me a lot of research time and gave me confidence in my decision.
Caryn AntesDecember 8, 2023I don't know what I would have done without Sheri. Her knowledge, patience, and understanding, led me to make a sound and wise choice for my Medicare provider, and gave me peace of mind.
Alicia LachappelleDecember 8, 2023Sheri stepped up at the last minute to help me secure insurance for my husband due to a short notice medical retirement from his job. She was available all hours and i never felt a rushed conversation. She only wants what is the best thing for her clients and gives you her undivided attention. I have recommended her to all of my friends. She is my agent for life.
SandraDecember 8, 2023Sheri Gaul goes above and beyond to help identify what plan is best for me. She will check in throughout the plan year to make sure everything is going smoothly.
Susan ShropshireDecember 8, 2023Sheri is so helpful and knowledgeable! I depend on her each year to help me make my best Medicare related decisions. She is the best!