Medicare Broker

Now that you’ve enrolled in Medicare you have a choice from a number of different commercial insurance companies to help protect you from the costs original Medicare does not cover. That is where the benefits of working with Merrill Insurance Services,(MIS), come in. MIS does not work for Medicare nor do we work for any specific insurance carrier. We are independent brokers representing the top plans in our area. We can take the guess work out of determining which plan is better suited for your needs, whether you are healthy, have a lot of expensive medications, chronic conditions such as diabetes or heart disease, or are struggling financially we can help and we do this at no cost to you. If you call an insurance carrier’s (800) number to sign up and have an issue months later the likelihood of you connecting with that same super, great agent you enrolled with is slim to none. The cost for your plan is the same whether you go direct or work with MIS, and we are here as your advocate to help with issues you may have. MIS is paid directly from the carrier of the plan we (Agent/Client), select and MIS, is paid the same for all the available plans in your area. This makes MIS an unbiased resource for any plan we agree meets your needs.

Medicare Supplement Plan

These are also called Medigap plans as they help you cover some or all of the costs that Medicare Parts A and B don’t cover. The nice part is you can see any doctor in the USA that participates in Medicare. For the freedom of seeing any participating doctor, the premium is higher. Remember you still keep paying your Part B premium and with a supplement plan, your Part D premium is separate and not built in like most Advantage plans are. When you turn 65, you have a guaranteed issue in a Supplement Plan and are ‘Guaranteed Renewable.’ That means the policy renews automatically from year to year as long as you pay the premium on time.

Medicare Advantage Plans (Part C)

Medicare Advantage plans are run by private companies. You have probably heard of United Healthcare, Anthem Blue Cross, Blue Shield, SCAN, Humana, Kaiser, etc. These companies offer Advantage Plans. They combine coverage for certain hospital costs, doctor visits and most include Part D coverage at no additional cost. In most plans you choose a primary doctor and your doctor has access to specialists within their group. Many plans offer additional benefits not offered by Original Medicare such as Vision, Dental, Hearing, Chiropractic, Acupuncture and Gym Memberships. Although you continue to pay your Part B premium, many Advantage Plans offer $0 monthly cost. All plans also offer Out-of-pocket limits on medical cost. (Remember the unlimited 20% you’re responsible for on Part B costs?) Each year you have a chance to change your coverage during the Annual Enrollment Period (AEP), which starts October 15th and runs through December 7th.

Charts for 2022 – What You Can Expect to Pay by Activating Your Medicare B & D

Medicare Advantage plans are run by private companies. You have probably heard of United Healthcare, Anthem Blue Cross, Blue Shield, SCAN, Humana, Kaiser, etc. These companies offer Advantage Plans. They combine coverage for certain hospital costs, doctor visits and most include Part D coverage at no additional cost. In most plans you choose a primary doctor and your doctor has access to specialists within their group. Many plans offer additional benefits not offered by Original Medicare such as Vision, Dental, Hearing, Chiropractic, Acupuncture and Gym Memberships. Although you continue to pay your Part B premium, many Advantage Plans offer $0 monthly cost. All plans also offer Out-of-pocket limits on medical cost. (Remember the unlimited 20% you’re responsible for on Part B costs?) Each year you have a chance to change your coverage during the Annual Enrollment Period (AEP), which starts October 15th and runs through December 7th.

Part B levels

Part D levels