Medicare was created in 1965...

...and people have been confused ever since.

Nashville and All of Tennessee - we have you covered.

When trying to understand the tangled mess of Medicare options, it pays to work with a specialist. As a broker, I have access to Aetna, Blue Cross, Cigna, Humana, UnitedHealthcare, Bright, WellCare, Amerigroup, Mutual of Omaha, and others you’ve likely not heard of. I take pride in delivering quality plans to those I serve.

The first decision you need to make is whether to go with traditional Medicare or to choose a Medicare Advantage plan. Below you will find brief descriptions, but you may wish to read more comments here.

Part D Drug Plans

Let's start here. People who have Medicare are required to have creditable drug coverage in order to avoid a late enrollment penalty. You are eligible to obtain a Part D plan if you have either Part A or Part B. Consumers who are prescribed expensive medicines frequently fall into the coverage gap, and that can be both confusing and costly.

Medicare Supplements

Supplements pay after traditional Medicare and cover eligible costs that Medicare doesn't pay. Also known as Medigap plans, supplements are available from private insurance carriers. In simplistic terms, think of Medicare as paying 80% and supplements as paying 20%.

Important to know: there are no network limitations with traditional Medicare and/or supplements. To be eligible for a Medicare Supplement, you must have both Parts A and B of Medicare. You are able to get a medigap plan the first six months of having both Parts A and B, regardless of your health conditions. Supplement prices will increase over time.

Medicare Advantage

Medicare Advantage plans are available through private insurance companies and are known as Part C.  In Tennessee, we have both HMO and PPO Advantage plans available, and many of the HMOs have eliminated the need for a referral from the primary doctor to a specialist. These plans provide additional perks, such as embedded Part D coverage, dental/vision/hearing benefits, gym memberships, etc. and are becoming increasingly popular.