949-300- 3022 neil@insurance-oc.com

How to Pick a Medicare Advantage Plan

Every year when the new plans come out, I make a spreadsheet of all the benefits – across all the plans. It’s amazing to see how similar all the plans are to each other. The biggest differences between the plans (generally speaking) are not even the...

What is the Coverage Gap (Donut Hole)?

The cost of the average drug plan is under $30/mo, which barely pays for 1 prescription. The Coverage Gap was meant to control drug costs and keep the program sustainable. Here’s how it works: THERE ARE 4 “STAGES” IN A DRUG PLAN: 1. Deductible2....

Medicare Prescription Drug Coverage

IF YOU HAVE A MEDICARE ADVANTAGE PLAN: Drug coverage is already included in the plan. IF YOU GET A MEDICARE SUPPLEMENT: Drug coverage is not included. You should buy a separate drug plan. GET THE RIGHT PLAN: All drug plans are not created equal. If you’re taking...