Overview: Medicare is a federal health insurance program primarily for people aged 65 or older, as well as for certain younger individuals with disabilities. Sarah helps clients compare plans and choose the right coverage based on healthcare needs, prescription use, and financial situation.
Services Include:
- Medicare Advantage (Part C): Combines Medicare Parts A and B, often with additional benefits like dental, vision, and prescription drug coverage. Sarah helps evaluate HMO vs. PPO plans.
- Medicare Supplement (Medigap): Helps cover costs that Original Medicare doesn’t, such as copayments, coinsurance, and deductibles.
- Prescription Drug Plans (Part D): Helps pay for medications not covered by Original Medicare. Sarah compares plans to ensure clients get the right coverage for their prescriptions.
- Enrollment Guidance: Assistance with Initial Enrollment, Annual Enrollment, and Special Enrollment Periods.
Common Questions Addressed:
Do I need both Medicare Advantage and a supplement?
No — you cannot have both. Medicare Advantage and Medicare Supplement (Medigap) plans are two different paths. You choose one or the other. Medicare Advantage is an all-in-one alternative to Original Medicare that may include drug coverage and extra benefits. A Medicare Supplement plan works with Original Medicare to help pay costs like deductibles and coinsurance. Sarah can help you decide which option best fits your health needs and budget.
What is the donut hole and how can I avoid it?
The “donut hole” is a coverage gap in Medicare Part D prescription drug plans. The donut hole was eliminated from prescription drug plans as of 2025.