Monmouth County and Ocean County NJ, Medicare Insurance Services
The Brownstone Group- committed to helping our seniors.
We have the resources and knowledge to navigate the complex Medicare system for you. The information and guidance that we will provide is accurate and valuable which makes our process unique to any other.
We work with all the carriers to find the best fit for our senior clientele. Our areas of expertise include supplements to Medicare, Medicare advantage plans and part D drug plans. Our unbiased approach allows us to place our clients with the carrier that is appropriate for them.
Medicare Advantage insurance is also known as Medicare Part C. This is a medical coverage option that’s run by private companies and has been approved by, and is under the control of, Medicare. Medicare Supplemental insurance is a kind of health insurance policy sold by private insurance companies to fill the “gaps” in Original Medicare Plan coverage. Part D covers prescription drugs
People often wonder why do I need a Medicare supplement plan when Medicare pays for such a large portion of their health care needs in the form of supplies or services. There are some things that Medicare does not pay for or they only pay a portion of and that is where the Medicare Supplement Plan also known as Medigap plans come in. Because it is important to know all of the details before choosing a plan we will work with you to find the best one that fits your needs and works with the plan you currently have. These plans are sold through private Insurance Companies and cover things such as copays and deductibles and sometimes care outside of the US that would not be covered through straight Medicare.
Having Original Medicare as a primary insurance and a supplement plan as a secondary insurance it provides you with the peace of mind knowing that you are covered and will not have large out of pocket expenses. The open enrollment period which is October 15-December 7th is the time that any changes or new enrollments can be made. That is also the time that you can sign up for prescription plans and switch from a Medicare Supplement plan to a Medicare Advantage plan.
Unlike other companies that want to only sell their specific companies plan we work with most major insurance carriers to find the supplemental plan that best fits your needs. And as Medicare specialists we can answer any Medicare Supplement questions you have, free of charge and with no obligation. We are here to make your experience in finding and choosing a Medicare Supplement plan as easy and affordable as it can be.
- Part D Drug Plans – Why Purchase a Drug Plan?
- Open Enrollment: The Best Time to Shop Drug Plans With The Brownstone Group
Health Care Reform and Medicare
People who have Medicare have questions about what may happen to Medicare as a result of the new health care reform law.
Almost 25 percent of the 47 million Americans with Medicare choose to get their Medicare through a Medicare Advantage plan. Currently these private plans are being paid, on average, 14 percent more than it would cost to cover the same person in Original Medicare.