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...

Medicare Advantage Plan with Excellent Benefits!

WOW !! There’s a Medicare Advantage Plan available for 2018 that has some exceptional features. In addition to the coverage you would normally expect such as $0 premium and $0 co-pay for hospital, surgery, doctor, specialist, lab services, diagnostic tests and...

The Best Way to Research Medicare

Let’s face it – Medicare is confusing. There are so many rules, and it’s difficult to know which of these rules apply to you. There are 3 basic ways you can go about getting informed (Hint: See #3): #1 – Do the research yourself.  Research is...