Medicare Supplements have protected seniors since the creation of Medicare benefits.
Supplements or Medigap plans pick up overage costs that Medicare does not pay.
These are annual deductibles for hospital and doctor expenses, coinsurance, skilled nursing, and other medical costs. Plans A thru J offer a wide range of benefits to choose from.

Plan F is the most popular plan because it covers both deductibles, coinsurance, and amounts over the Medicare assignment that doctors are allowed to charge.
These plans offer freedom of choice for providers and leave little or no out of pocket expense to the senior for their medical costs.
Email us for rates on Plan F in your area.

Medicare Part D Prescription Plans. The long awaited prescription drug program is now in force. This new plan is saving seniors across America on their medication costs.
Click here for more information.

Preventive Benefits* to be covered as of 2005.
* A one time initial wellness physical exam within 6 months of the day you first enroll in Medicare Part B.
* Screening tests for early detection of cardiovascular heart diseases.
* Diabetes screening tests for people with Medicare at risk of getting diabetes. These benefits add to the preventive services that Medicare already covers, such as cancer screenings, bone mass measurements and vaccinations.

Prescription drug benefits will be added to Medicare in 2006.
All people with Medicare will be able to enroll in plans that cover prescription drugs. This is generally how it will work:
* You will choose a prescription drug plan and pay a premium of approximately $35 a month.
* The first $250 of prescription drugs you will pay , this is your deductible.
* Medicare then will pay 75% of costs between $250 and $2,250 in drug spending. You will pay only 25% of these costs.
* You will pay 100% of the drug costs above $2,250 until you reach $3,600 in out-of-pocket spending.
* Medicare will pay about 95% of the costs after you have spent $3,600.
People with low incomes and limited assets will be eligible for extra help. People with Medicare in the greatest need, who have incomes below a certain limit won't have to pay premiums or deductible for prescription drugs. The income limits will be set in 2005. If you qualify, you will only pay a small co-payment for each prescription you need.
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Medicare Advantage plan choices will be expanded to include regional preferred provider organization plans (PPO's).
PPO plans will offer access to wide networks and limited copayments for preferred providers.

For the latest information about Medicare, visit www.medicare.gov or call 1-800-MEDICARE (1-800-633-4227).
TTY users should call 1-877-486-2048. For information in Spanish call 1-800-MEDICARE.