A Medicare Supplemental Plan is extra health insurance over and above your Original Medicare Part A and Part B and are assessed a monthly premium. These supplemental plans – also known as Medigap – are purchased through private brokers like Avery Hall and are only available to those individuals who have Medicare Part A and Part B.
Are you turning 65 in the next 12 months and considering your Medicare options? Let us help!
Medicare is the specialty of award-winning Senior Account Executive Alyssa Sinagra. She is one of the most experienced and dedicated professionals on the Eastern Shore. Alyssa and her team are here to guide you and help make this transition smooth and painless.
Our team is available for consultations to help you navigate all of the different parts of Medicare. They will help educate you on the complexities of Medicare Part A, B, D and Medicare Supplements. We look forward to working with you personally!
“Alyssa helped me with my insurance needs beyond my expectations. She demonstrated professionalism and knowledge of insurance all within a timely and caring manner.”
- Leroy J.
“I would not deal with any insurance or Medicare without going through Alyssa first. I do not know what I would have done without her.”
- James F.
“Through a friend, we were told about Alyssa. We went in to talk to her. It was so nice to be able to tell her what we felt was important to us. She was very knowledgeable and was able to find the perfect plan for us. Since that time, I have never had to worry about insurance.”
- Tamar R.
“She is an outstanding resource and I just used her to present to one of my most important clients. She presented a Medicare education session, then took Q&A on the fly.”
- Kathy L.
“All the medicare guidance has taken such a burden off my shoulders that I can feel the stress that has been lifted.”
- Karen B.
“Avery Hall takes pride in what they do and it shows. Alyssa and her team are always our first call whenever we have questions or concerns with our insurance. They went above and beyond and sorted out all of our claims and helped us make sure they were all paid and in a timely manner.”
- Daniel F
Frequently Asked Questions
Does Medicare cover Dental & Vision?
Medicare does not cover dental or vision. Medicare does cover medical conditions concerning your eyes. For example, if you’re diabetic and require an eye exam, that would be covered under Medicare Part B.
Does Medigap cover long-term care?
The Medigap plans do not cover an extended stay in a nursing home or custodial care, called long-term care.
How do I sign up for Medicare Parts A and B?
There are a few ways
Visit your local Social Security Office
Call the Social Security Office: 1(800) 772-1213
Google “How do I sign up for Medicare Parts A and B?”
What is the Enrollment Window for Medicare Parts A and B if I’m turning 65?
This is your initial enrollment period. You can sign up three months prior to your birth month, during your birth month, and three months after your birth month. That is a seven month window.
When is Open Enrollment?
Open Enrollment is October 15th through December 7th, every year. Open Enrollment is the only time someone who has a Medicare prescription drug plan can make a change. This time period is for those who already have Medicare, not for those who are new to Medicare. Outside of this time period one must have a Special Enrollment Period. This is not related to Medicare Supplements, which can be changed throughout the year, with medical underwriting.
Do I have to sign up for Medicare Part B when I turn 65?
You do not have to sign up for Medicare when you turn 65. As long as you or your spouse are actively working and are on your employer’s or spouse's employer-sponsored plan. However, we do recommend that people compare their options because there are many scenarios that Medicare, a Supplement and RX plan are better than employer coverage.
What is Medicare Part D?
Medicare Part D is your prescription plan that you have with a private insurance company.
There are Four Phases of Medicare Part D Coverage:
Initial Coverage Level
The Coverage Gap
Avery Hall can help you purchase this. Supplemental plans do not cover prescription drugs.
You can shop your Medicare Supplement Plan all year long and search for the best rates, but must answer medical questions to be approved to switch. We recommend that you check your Medicare Supplement plans rates every year. You may be able to save money for the same plan with a different company.
Get Your Free Quote
We will direct your quote request to an experienced Avery Hall agent.