IRISWELL
ACA MARKETPLACE
HEALTH INSURANCE FOR UNDER 65
4 out of 5
CUSTOMERS CAN FIND A PLAN FOR
$10 or less
PER MONTH WITH FINANCIAL HELP
Call to speak with a Licensed Insurance Agent 260-232-1146
Open Enrollment November 1 - January 15
Low cost health plans for individuals and families. Plans cover Dr.’s visits, Emergency Care, Prescriptions and more.
Understanding Medicare and the best Plan for you
Medicare Advantage
Annual Enrollment Period
October 15th - December 7th every year
ORIGINAL MEDICARE
Part A & B
Part A covers:
HOSPITAL INSURANCE
- Inpatient care in a hospital
- Skilled nursing facility care
- Nursing home care (inpatient care)
- Hospice care
- Home health care
Part B covers:
MEDICAL INSURANCE
- Doctor visits
- Preventive care
- Outpatient services
- Medical supplies
- Tests and X-rays
MEDICARE ADVANTAGE
PART C
• Medicare Advantage is an “all in one” alternative to Original Medicare. These “bundled” plans include Part A, Part B, and usually Part D.
• Plans may have lower out-of-pocket costs than Original Medicare.
• In many cases, you’ll need to use doctors and other providers who are in the plan’s network and service area for the lowest costs.
• Most plans offer extra benefits that Original Medicare doesn’t cover—like dental, vision, hearing, Over the Counter, meals following a hospital stay, fitness membership, transportation and more.
PRESCRIPTION DRUG COVERAGE
PART D
- All plans must cover a wide range of prescription drugs that people with Medicare take, including most drugs in certain protected classes.
- Many Medicare drug plans and Medicare health plans with drug coverage place drugs into different levels called “tiers” on their formularies.
- Drugs in each tier have a different cost. For example, a drug in a lower tier will generally cost you less than a drug in a higher tier.
PREPARE FOR YOUR MEDICARE APPOINTMENT
Things to consider when making changes to your Medicare Advantage plan to decide which one is right for you.
• What suits your budget, lower monthly premiums or lower medical costs?
• Are you comfortable having access to a limited selection of doctors, or would you prefer to choose your own?
• How often do you visit your doctor?
• What prescription drugs are you taking now and how each plan will cover your medications?
• Is your preferred pharmacy in your drug plan’s network?
• Do you have any chronic diseases?
Are you also on Medicaid?
• How often do you travel? What will Medicare cover when you travel?
ARE YOU TURNING 65 SOON?
You need to know when you must enroll in Medicare to avoid penalties.
You need to know the difference between Original Medicare, Medicare Supplement Plans
and Medicare Advantage Plans.
Contact me today to book an appointment to discuss the options available to you.
You get to decide what is best for you.
There are different types of life insurance policies available to provide peace of mind to your loved ones, to ensure they are protected financially when you pass away. Term life insurance, whole life insurance and universal life insurance. It is important to consider your individual needs and budget when choosing a policy. I can help you figure out what’s best for your situation.
PROTECT YOU AND YOUR FAMILY TODAY
