Looking for Medicare Coverage? Unsure of where to start?

At JDW and Associates, we are by your side while you navigate the nuances of Medicare and the plans that best fit you and your healthcare needs.

Education is at the core of all we do. When you have the knowledge to choose the right plan and feel confident in that choice, we have done our job.

As independent agents we represent most major insurance companies. We enroll you into the plans directly. We are compensated by the insurance companies, so we do not charge you any fee.

Throughout this transition into Medicare, our customer service never stops. We help you review your plan annually, we answer any questions along the way, so you feel confident with us and know we always have your best interests front and center. Building and having relationships built on trust, respect and mutual understanding is a bedrock principle.

Medicare Basics

Medicare is for people over the age 65 or under age 65 who have certain disabilities or any age with end-stage renal disease.

PART A

Hospital Insurance

PART B

Medical Insurance

PART D

Drug Coverage

What Does Medicare Part A & Part B Not Cover?

This does not include private health insurance (i.e., advantage plans)

Prescription Drugs
Routine Dental Services or Dentures
Eye Exams & Prescription Eyeglasses
Hearing Care & Hearing Aids
Health Care out of the US
Long-Term Care (Custodial Care)
Cosmetic Surgery
Chiropractic Care
Acupuncture
Weight loss Medications

Private Insurance Plan Options (Supplements)

Advantage Plans

These are also known as Medicare Part C plans. These are an ‘all in one’ alternatives to Original Medicare. These private insurance plans usually bundle Part A, Part B and usually Part D. They typically have co-pays and out-of-pocket expenses. Most offer extra benefits not found in Original Medicare. Such as dental, vision, hearing, over the counter products and fitness memberships and much more. These plans are approved by Medicare and must follow Medicare’s coverage rules. Each Medicare Advantage plan can charge a different out of pocket cost. Some premiums can be as low as $0 per month.

Medigap Plans

Medicare Supplement Insurance (Medigap) is extra insurance you can purchase to ‘fill in the gaps’ that Original Medicare doesn’t cover. These can be purchased from a private insurance company to help pay your out-of-pocket costs in Original Medicare. Such as co-pays, coinsurance and deductibles. There are 10 different types of Medigap plans available in most states. They are named by letters, A-D, F, G and K-N.

Due to health reasons, coverage can be denied or premiums increased (except initial eligibility). All plans have a monthly premium and coverage varies by plans.

Prescription Drug Plans

A prescription drug plan (PDP) is an insurance plan that covers the cost of take-home, prescribed medication. PDPs are also known as Medicare Part D. These plans follow a standard of coverage set by Medicare. Costs can vary and so can specific drug coverage. How much you pay for each drug depends upon which plan you choose. Plans have different premiums. Prescription coverage can be included in Advantage plans or purchased as a separate plan. You can also purchase this plan as an ‘add on’ to a Medigap plan or as an ‘add on’ to an Original Medicare plan.

Find an insurance policy without frustration

We do not offer every plan available in your area. Currently, we represent five (5) organizations which offer forty-five (45) products in your area.

Please contact Medicare.gov (1-800-633-4227) or your local State Health Insurance Assistance Program (SHIP) (1-800-803-7174) to get information on all of your options.”

Please don’t hesitate to call our office at 734-475-1664 to arrange an appointment.