Medicare

If you have health needs that traditional Medicare can’t fill, talk to a different kind of insurance team.

Traditional Medicare is great for seniors who are relatively healthy. But in the event of serious illness, those 20% specialist and hospital copays, to say nothing of 100% prescription costs, can be real IRA-killers.

With over 80 years’ combined client service, carrier relationship, risk management and claims service experience, your Resolve Insurance team can offer you alternatives more suited to your specific needs.

With over 80 years’ combined client service, carrier relationship, risk management and claims service experience, your Resolve Insurance team can offer you alternatives more suited to your specific needs.

For example, if you take multiple prescription meds, they can offer you a Part D (as in Drugs) plan that covers many of your prescription costs. Depending on the plan’s formula, many generics will be zero-cost, some will have small, 25%, copays, and brand-name drugs will have higher ones – sometimes substantially higher.

A Medicare Advantage Plan includes Part D coverage, plus many other benefits. If you see providers only within the plan’s HMO or PPO network, there’s no co-payment to see your primary care physician, and seeing a specialist entails only relatively small, fixed copay. Prescription copayments can be as little as zero dollars for the lowest tier of generics. And there are benefits including dental, vision, and hearing benefits, plus free health club memberships. Most Advantage Plans have no monthly or annual premiums.

Or you can choose a Medicare supplement insurance plan. As the name implies, they supplement traditional Medicare. In return for a monthly premium, they pay all your 20% Medicare co-payments. They don’t come with Part D coverage, so in addition to your Part B (doctor care) coverage and your premiums, you’ll need to pay for a Part D plan as well.

All this may sound complicated. But once our team learns and analyzes your present and anticipated health care needs, they’ll put together an individualized plan that simply gives you the best healthcare coverage at the best price.