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Medicare & Prescription

LET US HELP YOU NAVIGATE MEDICARE

The Medicare system in the United States is able to provide a good amount of healthcare coverage to the elderly through a number of plans and supplements. We’ll help find the right plans and supplements for you. 

Medicare Advantage Plans

Learn how the 2010 changes affect you and your loved ones

Medicare Supplements

Learn about changes coming in 2020 (what to do to prepare-Plan F and Plan C ending new enrollments)

Part D Prescription Plans & The Donut Hole

A Medicare drug plan is an agreement between you and your drug plan provider to help pay the cost of prescription drugs, sometimes referred to as Part D. The Medicare drug plan covers eligible drugs when prescribed by a doctor.

Gap Plans

Dental, Vision, Home Health Care

Medicare Information

Is medicare mandatory?

For individuals enrolling in Medicare after their Initial Enrollment Period, enrollment is not mandatory. However, if you do not enroll in any part of Medicare during your Initial Enrollment Period, or within the three-month period that begins on the date you first become eligible for Medicare, you may need to pay a late enrollment penalty unless you qualify for a Special Enrollment Period with creditable employer coverage.

What's the difference between a medicare advantage HMO and PPO?

An HMO plan requires you to get care from doctors, hospitals, and other health care providers in the plan’s network. A PPO (preferred provider organization) plan gives you more flexibility. You can choose doctors outside of the network if your doctor is not part of it.

What is a medicare advantage plan?

Medicare Advantage Plans are offered by private companies that must follow rules set by Medicare. If you join a Medicare Advantage Plan, you’ll still have Medicare but you’ll get most of your Part A and Part B coverage from your Medicare Advantage Plan, not Original Medicare. Part C plans also offer extra benefits, like vision care or dental coverage.

Medicare & Prescription, ICT Insurance Group