Medicare Part D plans provide Medicare recipients with prescription drug coverage

Medicare is a health insurance program for Americans age 65 or older, or for those who qualify because of a specific disability. Medicare is covers a large percentage of health care costs, but it was not designed to cover all medical expenses.

In Virginia, there are several Medicare coverage options available. Choosing which Medicare plan is best for you depends on your needs and your budget. Virginia’s Medicare plans include:

• Medicare Part A & Part B (Original Medicare, Hospital and Medical)
• Medicare Part C Medicare Advantage plans (private policies that replace Parts A & B)
• Medicare “Medigap” Supplement Plans (private policies that cover the gaps in original Medicare)
• Medicare Part D Prescription Drug Coverage (private drug coverage plans covering prescription drugs)

Medicare coverage is of itself good coverage. Unfortunately, it does have notable gaps. The largest medicare gap is staying too long in a hospital or nursing home. Medicare only provides 60 lifetime reserve days after a 90-day benefit period. After these are used up, Medicare won’t help. Medicare also won’t help you pay for prescription drugs.

There are many options for providing yourself with more coverage. The first is Medicare Part C Advantage “MA Plans.” Medicare Advantage Plans, are health plans offered by private companies approved by Medicare. In Virginia, Anthem Blue Cross Blue Shield and Optima Health are examples. A Medicare Advantage Plan provides all of the Part A and Part B coverage found in original Medicare. Medicare Advantage plans also usually offer added benefits and coverage options.

Medicare Supplement Plans are another kind of Medicare coverage that do not replace Original Medicare. Instead, these supplement plans cover the gaps in original Medicare and offer additional coverage while allowing your existing benefits to remain intact. Medicare Supplement plans are among the most popular Medicare coverage choices in Virginia. Anthem offers Medicare Supplement Plans in Virginia, including their Plan A (Basic), Plan F (Complete), and Plan G and N (compromise plans). If you’re interested in Virginia Medicare Supplement plans, we can help you save money by selecting the best one for your needs.

Medicare Part D Prescription Drug Coverage is a coverage option provided by private insurers, such as Anthem Blue Cross Blue Shield of Virginia. Part D does not take the place of original Medicare, and offers additional coverage for prescription drugs. Many Medicare Part C Advantage plans include Part D prescription drug coverage, so if you currently have a Medicare Advantage Plan, you should look into your existing plan to see of there is a Part D option. Medicare Part D is a very popular option for Virginia seniors seeking affordable prescription drug coverage. If you would like to compare your options and choose the best prescription drug coverage Part D plan, contact us. We can help.

With so many Medicare coverage options, how can you know that you are making the right choice? Roberson Insurance Agency of Virginia has been helping people like you choose the best insurance plan for over 20 years. We stay on top of the late-breaking changes to Medicare so that you don’t have to. Call us today for free service. You’ll never have to pay us a dime for recommendations or consultations. Because we are an independent broker, our revenue comes from the insurance provider you choose, and not from you. It’s our business to provide the best insurance options for our clients.

To get started, visit our online Medicare Guide Page.