Seniors have a plethora of health plan options available, which can save them the high Medicare deductibles or cost sharing. Many of them have $0 or low monthly premiums. Their predictable co-pays and cost-sharing make it easier to budget costs. Click on http://www.medicare.gov for an overview.

Medicare Advantage Plans are regional or county-wide plans. Some are all-in-one plans, which include both major medical and Part D prescription drug coverage. Many of them offer value added services, such as discounts on over-the-counter medicine, Silver Sneakers free health club benefits, dental, vision, or transportation.

Medigap Supplements do not include a drug benefit, but they are not limited to a network or regional area and are accepted by all medical doctors across the country. They may have higher monthly premiums than Medicare Advantage Plans.  But they may be a good fit for the person who travels frequently, for the "snow bird" who lives in two or more parts of the country, or for those who see many specialists and want to insure that they will be covered by all the doctors of their choice.

With so many options, it is a daunting challenge to find your best solution. Your Retirement, Inc. will do the leg work for you. We carry Medigap supplements, Medicare Advantage Plans, and Part D prescription drug plans. As brokers, we do not favor a particular company or plan. We will assist you in finding a policy that will allow you to stay with your doctors if that is important to you, cover your prescriptions, and save you the most money. Low-income assistance is available for those who qualify.