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Medicare Part D 2018 Costs

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Hello Medicare recipients. Let me start by quoting one of my agents “It’s that time of year again!” and I just want to take a few minutes here and update all of you on some new costs for 2018 regarding Medicare Part D.This coming year the deductible phase will be increased by $5 to $405 in 2018. That does not mean every plan has a deductible, all it means is that per Medicare guidelines is that no plan can have a deductible exceeding $405 for the year. Contact BGA about obtaining a deductible free plan.Next is the initial coverage phase which is also known as the copay or coinsurance phase.The limit will increase from $3,700 in 2017 to $3,750 in 2018. This is basically where the Medicare member pays a flat copay for his or her prescriptions until the total annual cost of $3,750 is reached.Next phase once you reach the limit on your copay’s will be the coverage gap also known as the “donut hole.” The TrOOP (true out of pocket) expenses will increase from $4,950 in 2017 to $5,000 in 201…

Greg Gudis - Medicare Enrollment 2017

John Billetdoux - Agent Introduction

Medicare Annual Enrollment 2018

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October is upon us! And the season is here for those of you who need to make changes, and BGA Insurance Group is here waiting for you. Remember that Annual Enrollment runs from October 15th through December 7th, 2017.As our current BGA clients know it’s that time of year to review your PDP costs for 2018. BGA has thousands of clients who are enrolled in independent prescription plans that need to be reviewed, and we leave no customer behind. Make sure you contact your agent because what was good for you in 2017 may not be best for you in 2018. It’s all about being cost-effective, and you may, in fact, save yourself a lot of money.As most of you know if you have a Medigap plan you can change to another Medigap plan at any time throughout the year. But since we are already reviewing your PDP plan it’s a good idea to ask if you are still competitive regarding your supplement costs. Keep in mind, although you’re allowed to change your Medigap plan you will still be underwritten when apply…

James Coon - Medicare Enrollment Consultations

James Coon - Personal Introduction

Anthony Williams - Medicare Seminar Invitation