Medicare: A + B = ?   Where does D come in?

Medicare: A + B = ? Where does D come in?

Apr 26, 2016

You are not alone. I get these questions all the time.

Many of you attempt to read the giant piles of information that has or will be mailed to you about 4 months before you turn age 65. Also, many of you attend Medicare 101 meetings only to walk away sometimes a bit more overwhelmed. In today’s age, insurance companies need to stay compliant for government regulations and therefore must go over every little detail of benefits so as not to mislead a senior. But, there is an alternative.

Did you know you could meet with an Independent Medicare Broker that represents many different plans in the convenience of your own home? They can simplify and help you to understand what Medicare A & B are and what that means to you.

The quick answer is that Medicare A covers hospitalization, and Medicare Part B covers Doctors and services outside the hospital. But the more detailed explanation will show you there are deductibles and copays and financial exposures if you relied only on A & B.

There are a variety of solutions that can help fill in the holes of Medicare A & B. Supplemental PPO “Like” plans, or HMO plans. Some include drug coverage, and some do not. Some with a monthly cost and some without a monthly cost. Thankfully here in Orange County, we have many plans available. Competition is a great thing!

Then, what about D? Well the short answer is that Medicare Part D = Drugs. This is one of the most important and the hardest areas to do your own research. Everyone’s medications are unique and must be reviewed to verify what might be the best solution each year.

Certain medications can vary greatly in costs from one plan to the next, as an example a diabetes type medication like Januvia or Glumetza on some plans could be $0 copay, and on another not covered at all or at a higher copay of $45.00.

Medications are the biggest hidden moving part - make sure you have a Medicare Broker that represents multiple plans to compare and verify your costs each year.

If you are already in the Medicare system, Oct 15 through Dec 7 is the time of year that you can start reviewing and make changes to your current solution that would become effective the beginning of each new year on January 1st.

CAN I CHANGE MY MEDICARE PLAN NOW?

Yes, is some cases you can make a change now…If you recently moved to a new area - Example moving from Palm Desert to Orange County could create the opportunity to change your plan.

Yes, if you are working, and would like to move to a plan that may save you $$... and continue working. This in many cases can save your employer $$ too.

Yes, if you are 65+, and left/lost your job.

Yes, if you are new to Medicare.

Call us now to help guide you through any of these situations - YOU DO NOT HAVE TO WAIT UNTIL OCT 15TH!

As a Medicare Broker I do not work for any one company and therefore can offer a number of different plans ~ completely unbiased approach.

Oh, and one last thing: Medicare Insurance Brokers will not cost you anything to do a review and does not in any way increase cost to you by enrolling. Clients love that we still make House Calls and are local.

Denice Merrill

Merrill Insurance Services, Inc.
Specializing in Medicare Plan Choices with over
12 Years Experience.
She can reached by calling
949-388-7332
CA LIC# 0D99790

Latest News

Cultivated Elegance in Carmel Valley

Travel Jody Robinson

Cultivated Elegance  in Carmel Valley

Relax, Reconnect and Retreat to the Bernardus Lodge & Spa Someone once told me that Carmel was about the “...

Segerstrom Center for the Arts Announces 2018 – 2019 Jazz Series

Entertainment Sorbet Mag

Segerstrom Center for the Arts Announces 2018 – 2019 Jazz Series

Ahmad Jamal Quartet and Shahin Novrasli Kenny Barron Quintet • Kurt Elling Christmas Branford Marsalis Quartet ...

The Story of Modern Dance Revolutionary Isadora Duncan

Entertainment Sorbet Mag

The Story of Modern Dance Revolutionary  Isadora Duncan

Four performances only August 10 – 12, 2018 • Segerstrom Hall Segerstrom Center for the Arts is proud to prese...

A Walk on San Diego's Wild Side

Entertainment Jody Robinson

A Walk on  San Diego's Wild Side

There is no question that San Diego’s Wild Animal Park has taken the concept of safari to the next level. A con...

Pets of the Month

Home Life Jody Robinson

Pets of the Month

Vera is a six year old sweetie with a great personality.  She absolutely loves to be petted and will fol...

Paradise Found. Paradise Automotive Service

Business Showcase Jody Robinson

Paradise Found.   Paradise Automotive Service

As a female, I may be feeding the stereotype when I pen this, but my first thought when I have to take my car...

Stepping into Music History: Nashville, TN

Travel Jody Robinson

Stepping into Music History:  Nashville, TN

It would be difficult to put Nashville on the list of must see places if you didn’t have some kind of appreciat...

Segerstrom Center for the Arts Movie Mondays. Line-Up FREE

Entertainment Sorbet Mag

Segerstrom  Center for the Arts   Movie Mondays. Line-Up FREE

Summer Film Series Features: Back to the Future July 9 The Princess Bride July 16 Moonrise Kingdom July 23 T...

What’s in a (Girl’s) Name?

Entertainment Joe D

What’s in a (Girl’s) Name?

What is in a name? Everything, at least in the 1950’s and early 60’s! Our name branded us. Whether it was a nic...

Seaside Dining at the Ritz-Carlton, Laguna Niguel: enoSTEAK & 180blu

Dining Out Jody Robinson

Seaside Dining at the Ritz-Carlton,  Laguna Niguel: enoSTEAK & 180blu

In the past decade, public attention has shifted to focus on the matter of how we obtain our food, and what exa...

Beacon Carpet Cleaning. Lighting the Way to a Cleaner Space

Business Showcase Sorbet Mag

Beacon Carpet Cleaning. Lighting the Way to a Cleaner Space

When I was a child, I remember my parents moving our family into a new house, with pristine, white carpets. Bea...

Brio Tuscany Grille

Dining Out Sorbet Mag

Brio Tuscany Grille

Winner of the Dana Point Times 2017 “Best of Dana Point” People’s Choice Award for “Best Happy Hour” and “Bes...

Expanding Your Practice at Spa Montage

Health & Wellness Jody Robinson

Expanding Your Practice at Spa Montage

I giggled my way through my first yoga class. I took one in college, alongside two of my girlfriends, and we ju...

Yanni Celebrates 25th Anniversary of His Iconic “Live at the Acropolis” Concert Segerstrom Center…

Entertainment Sorbet Mag

Yanni Celebrates  25th Anniversary  of His Iconic “Live at the Acropolis” Concert  Segerstrom Center for the Arts  June 10, 2018

Legendary performer and composer Yanni will celebrate the 25th Anniversary of “Live At The Acropolis” with a wo...

Segerstrom Center for the Arts Announces 2018 – 2019 Jazz Series

Entertainment Sorbet Mag

Segerstrom Center for the Arts Announces 2018 – 2019 Jazz Series

Ahmad Jamal Quartet and Shahin Novrasli Kenny Barron Quintet • Kurt Elling Christmas Branford Marsalis Quartet ...

Ina Garten Barefoot Contessa Returns to Segerstrom Center for the Arts

Entertainment Sorbet Mag

Ina Garten  Barefoot Contessa Returns to  Segerstrom Center for the Arts

Wednesday, December 5, 2018 at 7:30 p.m. Ina Garten, the American culinary icon, author of 10 New York Times b...

Is Your Enlarged Prostate Interfering with Your Quality of Life?

Health & Wellness Robert G. Pugach

Is Your Enlarged Prostate Interfering with Your Quality of Life?

Benign prostatic hyperplasia, (BPH), is a condition in men in which the prostate gland is enlarged and not canc...

Is Your Enlarged Prostate Interfering with Your Quality of Life?

Health & Wellness Robert G. Pugach

Is Your Enlarged Prostate Interfering with Your Quality of Life?

Benign prostatic hyperplasia, (BPH), is a condition in men in which the prostate gland is enlarged and not canc...

Pageant of the Masters “Under the Sun”

Entertainment Sorbet Mag

Pageant of the Masters “Under the Sun”

July 7 – September 1, 2018Shows Nightly at 8:30pm The Pageant of the Masters is arguably one of the most uniqu...

Luxury for Every Age at the Grand Velas Los Cabos

Travel Jody Robinson

Luxury for Every Age  at the Grand Velas  Los Cabos

When I was 24 and planning a trip with a girlfriend to Cabo San Lucas, our families thought the idea sounded, w...

Prev Next