Important Information:

Supplement Plans

• Supplement polices are identical from on insurance company to the next. The only difference is price.

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• ​Insurance companies cannot deny  coverage or charge higher premiums if you enroll during your initial Medicare open enrollment period

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• Once your initial enrollment period ends, insurance companies can deny or charge higher premiums if you've had adverse health history.

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• If you want to switch from an Advantage plan into a Supplement plan, you can be denied or charged higher premiums based on health history.

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Drug Plans

• You must analyze the prescriptions you take to find the lowest cost plans.

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• ​Each year your prescriptions may change. You can shop for a new plan between Oct. 15th and Dec. 7th each year.

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• You can change each year regardless of your health history.

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• Many Advantage plans package in your drug plan, limiting your ability to shop for a separate prescription drug plan.

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Advantage Plans

• Advantage Plans are different from each insurance company. 

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• ​Each plan has different networks, copays, coinsurance, and deductibles.

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• Plans can change or be cancelled each year.

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• You can shop for a new plan each year between Oct. 15th and Dec. 7th.

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• There is no health underwriting when changing plans.

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