People with Medicare Advantage plans can enroll in a different plan for January beginning October 15 through December 7. Preview of plans begins October 1. As independent agents we can help you select a plan, choosing the one with benefits well suited for you. Most of our area plans are HMO's or PPO's. HMO's require referrals to specialists from a primary care doctor, and you must stay in the plan's network. For these restrictions, co-pays are typically lower than PPO's. PPO's  require no referrals from a primary doctor. You may stay in the network to save money or go out of network and pay more. PPO's still require plan authorization for tests, procedures, surgeries, etc.


Plans will mail an Annual Notice of Change by October 1. If you are satisfied with the upcoming changes your enrollment will automatically continue with no action needed.


You may also change your Prescription Drug Plan during this time. 


People with Medicare Supplements do not need to take any action during this time. These plans continue as long as premiums are current. You also need to keep your Medicare premiums current and add a separate drug plan. 


Follow this link for more helpful Medicare information 


Medicare does not cover dental, although some HMO's and PPO's may cover some services. For more information on dental coverage check this site:  

We can help you choose a plan that suits your individual needs using a Medicare Advantage plan (HMO or PPO), or a Medicare supplement that allows you to use any doctor & hospital.

Call us Toll Free 877-846-5643


​​You may qualify for the Social Security program "Extra Help With Prescription Drugs."  



Another resource is to check the site Prescription Hope as a source for brand drugs.


Medicare Annual Enrollment Period




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Prescription Help

Call usToll Free 877-846-5643