Medicare Advantage: Combines Medicare Part A, Part B, and often Part D, and may include prescription drug plan.

Original Medicare: Offers flexibility in choosing providers, but you may face higher out-of-pocket costs.

AEP runs from October 15 to December 7—reach out to me, an independent licensed insurance agent, for personalized assistance in reviewing your Medicare options for 2025.

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They guide you through the ins and outs of Medicare, without pressuring a sale. All conversations are confidential.

They review your specific requirements, from doctor preferences to prescription drugs, and are transparent about options.

They provide clear insights into the pros and cons of different Medicare plans. They offer options from multiple carriers, giving you a wide range of choices.

They help you find a Medicare plan that suits your needs and budget and are available to answer questions year-round.

They involve your family, ensuring everyone is well-informed and cared for.

They NEVER charge for their services.

Make the most of your Medicare journey with local guidance. DM me your questions any time – As your local licensed insurance agent, I’m on standby to help!

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Choosing between Medicare Advantage and Medicare Supplement can feel like navigating a maze. Let’s shed some light on some of the key differences!

Medicare Advantage:

Simplified, coordinated coverage

Bundles Original Medicare Part A and B

Some plans include prescription drug coverage

Involves copays and networks

Medicare Supplement (Medigap):

Acts as a financial safety net

Fills cost gaps left by Original Medicare

Covers deductibles and coinsurance

Provides flexibility to choose any healthcare provider

Remember, when reviewing supplemental coverage it is important to consider your unique health and financial needs!

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AEP can be baffling, but making uninformed decisions could mean paying for coverage you don’t need or missing out on essential coverage. I’m here to gain a thorough understanding of what you need out of your healthcare and simplify Medicare plans.

Let’s have a chat, and I’ll break down the options in plain language, ensuring you select the plan that truly aligns with your needs. Say goodbye to confusion and hello to clarity! Call to speak with a licensed insurance agent!

#MedicareSimplified #AEPClarity

A: The answer is no, you are not required to change your Medicare plan during the Annual Enrollment Period (AEP). AEP provides you with the opportunity to review your current plan and make changes if needed, but it’s entirely optional.

If your current Medicare plan continues to meet your healthcare needs, you can keep it without making any changes. However, it’s a great time to reassess your plan, consider your evolving healthcare requirements, and explore other available options.

Even if you choose to stay with your current plan, it’s essential to review the Annual Notice of Change letter from your plan provider. This letter outlines any upcoming changes in your plan’s coverage or costs, so you’re fully informed.

The key is to make choices that align with your unique healthcare needs and preferences. Whether you decide to keep your plan or explore new options, I’m here to assist you every step of the way.

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