We sit down with you at our office on Lincoln Street, check your doctors and prescriptions against the plans we offer where you live, and tell you straight whether your plan still fits.
Medicare Advantage in plain English
- Medicare Advantage (Part C) plans are run by private insurance companies approved by Medicare. You still have Medicare, but the plan handles your Part A and Part B coverage.
- Most Medicare Advantage plans include drug coverage.
- Most use a network of doctors and hospitals, so checking your doctors before you enroll matters.
- Plans are offered county by county, so what's available in Decatur County isn't always what's available in the next county over.
Part D drug plans
If you have Original Medicare, often with a Medicare Supplement, a separate Part D plan covers your prescriptions. Every Part D plan has its own drug list and pharmacy network, and both can change each January. If you go without drug coverage when you're first eligible and don't have other creditable coverage, a late enrollment penalty can be added for as long as you have Part D.
When you can change plans
- Turning 65: your window opens 3 months before your birthday month and closes 3 months after.
- Every fall, October 15 to December 7: switch Medicare Advantage or Part D plans for coverage starting January 1. See our Open Enrollment guide.
- January 1 to March 31: if you're in a Medicare Advantage plan, one more chance to switch plans or go back to Original Medicare.
Got a thick envelope from your plan this fall? That's your Annual Notice of Change. Bring it to our Greensburg office and we'll go through it with you before December 7.
Questions we hear
Can I keep my doctor with Medicare Advantage?
It depends on the plan's network. We check every doctor and hospital you use against each plan before you enroll.
Are the plans the same in every county?
No. Medicare Advantage and Part D plans are offered county by county. We look up the plans where you live, whether that's Decatur County or one of the counties around it.
Can I go back to Original Medicare?
Yes, during Open Enrollment (October 15 to December 7) or, if you're in a Medicare Advantage plan, from January 1 to March 31. If you want a Medicare Supplement again, the insurance company may ask health questions, so talk to us first.
Does working with an agent cost more?
No. The insurance company pays us a commission, and your premium is the same as buying the policy directly.
Call us at (812) 527-2100 or request a call back, and one of our agents will get back to you.