Your Health Insurance Advocates LLC 863-588-1615

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    • Home
    • Welcome
      • About Us
      • Our Mission
      • TESTIMONIALS
      • News Letters
      • Blog
    • U65 & Ancillary
      • Ind/Fam Plans U65
      • Group Census Info
      • Quotes
      • Dental & Vision
      • Accident
      • Critical Illness
      • Disability
      • Final Expense
      • Pet Insurance
    • MEDICARE
      • Medicare
      • PARTS OF MEDICARE
      • Medicare Costs
      • Meet IRMAA
      • Enroll in MEDICARE
      • Medicare 101 Videos
      • Medicare Supplements
      • Medicare Advantage
      • Part D - Prescription
      • Wellness & Physical Exams
      • Quotes for Medicare
      • Medicare DOESN'T Cover
      • Extra HELP
      • Penalties/Appeals
      • Social Security
      • Medicaid
      • Home Health Care
      • Help / Gov Sites
      • Senior Websites
      • WellBe Health Asst
      • LINKS
      • AARP Membership
      • Away from USA
      • Medicare Mentor Program
    • National General Life
      • RETIREMENT
      • NLG
      • Life Insurance
      • Life Insurance_2
      • Gift of Life
      • IRA's
      • Annuities
      • Financial Calculators
    • ValuTeachers
      • Find Out More
      • Career with ValuTeachers
      • Ready and sign up
  • Home
  • Welcome
    • About Us
    • Our Mission
    • TESTIMONIALS
    • News Letters
    • Blog
  • U65 & Ancillary
    • Ind/Fam Plans U65
    • Group Census Info
    • Quotes
    • Dental & Vision
    • Accident
    • Critical Illness
    • Disability
    • Final Expense
    • Pet Insurance
  • MEDICARE
    • Medicare
    • PARTS OF MEDICARE
    • Medicare Costs
    • Meet IRMAA
    • Enroll in MEDICARE
    • Medicare 101 Videos
    • Medicare Supplements
    • Medicare Advantage
    • Part D - Prescription
    • Wellness & Physical Exams
    • Quotes for Medicare
    • Medicare DOESN'T Cover
    • Extra HELP
    • Penalties/Appeals
    • Social Security
    • Medicaid
    • Home Health Care
    • Help / Gov Sites
    • Senior Websites
    • WellBe Health Asst
    • LINKS
    • AARP Membership
    • Away from USA
    • Medicare Mentor Program
  • National General Life
    • RETIREMENT
    • NLG
    • Life Insurance
    • Life Insurance_2
    • Gift of Life
    • IRA's
    • Annuities
    • Financial Calculators
  • ValuTeachers
    • Find Out More
    • Career with ValuTeachers
    • Ready and sign up
Rx Savings Card **not insurance**

GET YOUR FREE DISCOUNT CARD AND SAVE UP TO 80% ON YOUR rxS

Search for prescription and find the lowest price at a pharmacy near you 

Find out more

Things to think about when you Compare medicare Rx coverage

Find out more

Understanding part d plans

<<<How to find the best Part D Plan for you

Why are they so high:  https://youtu.be/kvSUurZ5CRg

stages of drug coverage

Four stages that you go through, this is why you will pay different costs at different times


 Different Stages of Coverage

  • Annual Deductible
  • Initial Coverage
  • Coverage Gap /Donut Hole
  • Catastrophic Coverage

be medicare smart

It is optional, BUT if you don't enroll, expect a Penalty.   1% of the "national base beneficiary premium" ($33.06 in 2021, $33.37 in 2022) times the number of full, uncovered months you didn't have Part D or creditable coverage 

prescription plans

Get a Quick QUOTE

Get a Quick QUOTE

Get a Quick QUOTE

Even though you have a Rx Plan, you might have to be a SMART shopper and use an alternative method.  There are alternative ways to save on medication:  



www.GoodRx.com  


 www.wellrx.com  


 www.BlinkHealth.com   


www.rxsaver.com

Know the Nuances

Get a Quick QUOTE

Get a Quick QUOTE

 Everyone is eligible for Medicare at 65,  but because people going onto Medicare are usually coming off of an Employer's plan and sometimes even keeping that other insurance—it can be complicated. Knowing the nuances will help you   


See Page 6 & 12  in the Who Pays First Booklet by clicking on the buttom below

Find out more

Get a Quick QUOTE

Home Health Care

Part D Prescription Plans are 

Available in ALL States


Remember it is important to have a prescription plan even if you don't have any prescriptions.  You don't want to have a Penalty on your file because this is a Lifetime Penalty and as the Average Drug Rate goes up, so does the Penalty for Life.  


If you can show that you had previous continous prescription, we can help you appeal your Penalty!


Throw out what you know about your employer plan which is a commercial plan.  Medicare plans are different and have STAGES, see the video below to understand or call us so we can explain your costs based on your specific drugs 863-588-1615


Understanding the Stages Links:

https://youtu.be/4374RfmL6jc


https://youtu.be/fCaNNQw0VD8


 https://www.aetnamedicare.com/en/understanding-medicare/medicare-prescription-drug-plans-need-to-know.html 


 https://www.youtube.com/watch?v=7F3wKP4ioYg 


 https://www.youtube.com/watch?v=QauEh5vuyJY 



Home Health Care

Home Health Care

Home Health Care

Did you put off obtaining a LTC Policy or just can’t afford it?

NOW YOU CAN DELAY OR AVOID Going into a Nursing Home and Stay at Home with Home Care .


National Average Cost of LTC

NJ = $70k/year approx.

 http://www.altcp.org/long-term-care/long-term-care-cost/ 


A Failure to Plan is a Plan to Fail

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Home Health Care

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Video

Medicare Part D

Important Reasons why to join once you're 65.

Part D

Find your personalized Plan

Part D

Different Plans Available

Part D

Understanding the Formulary, Premiums, Coverage Gaps, Copays, Coinsurance, etc

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