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Senior Benefits

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Senior benefits with service and expertise that exceed expectations.

Senior benefits can be a complicated topic. Our experts can help you to determine which plan is the best fit for you.

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The DeHayes Group now has technology to book an appointment online. Follow the link below to schedule your appointment with our Senior Benefits Consultant for the date and time of your choosing. By using the ‘bookings’ online system, you will be prompted to choose what type of appointment you are needing, answer a few questions to help our consultant better prepare for your appointment and receive reminders via email or text.

Senior Benefits Appointments

About Medicare

Navigating the Medicare and supplemental senior insurance landscape is daunting, that’s why we are here to help. Here are some of the types of senior insurance available to you to help supplement your Medicare Insurance.

Medicare Advantage plan (Part C):

A Medicare Advantage Plan (like an HMO or PPO) is another Medicare health plan choice you may have as part of Medicare.  Medicare Advantage Plans, sometimes called “Part C” or “MA Plans”, are offered by private companies approved by Medicare.  If you join a Medicare Advantage Plan, you still have Medicare.  You’ll get your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from the Medicare Advantage Plan, not original Medicare.
Medicare Advantage Plans may offer extra coverage, like vision, hearing, dental, and /or health and wellness programs.  Most include Medicare prescription drug coverage (Part D).  In addition to your Part B premium, you usually pay a monthly premium for the Medicare Advantage Plan.

Medicare Prescription Drug Coverage (Part D):

Medicare offers prescription drug coverage to everyone with Medicare.  Even if you don’t take many prescriptions now, you should consider joining a Medicare drug plan.  If you decide not to join a Medicare drug plan when you’re first eligible, and you don’t have other creditable prescription drug coverage, or you don’t get Extra Help, you’ll likely pay a late enrollment penalty if you join a plan later.  Please refer to the 2020 Medicare & You guide for more details.  To get Medicare prescription drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare.  Each plan can vary in cost and specific drugs covered.

There are 2 ways to get Medicare prescription drug coverage:

1.     Medicare Prescription Drug Plans.  These plans (sometimes called “PDPs”) add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.

2.      Medicare Advantage Plans (like an HMO or PPO) or other Medicare health plans that offer Medicare prescription drug coverage.  You get all of your Part A and Part B coverage, and prescription drug coverage (Part D), through these plans.  Medicare Advantage Plans with prescription drug coverage are sometimes called “MA-PDs.”

In either case, you must live in the service area of the Medicare drug plan you want to join.

Medicare Supplement Insurance (Medigap) policies:

A Medicare Supplement Insurance policy, sold by private companies, can help pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles.  Medicare Supplement Insurance policies are also called Medigap policies.

Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs.  Then, your Medigap policy pays its share. There is a premium for a Medigap policy.
Every Medigap policy must follow federal and state laws designed to protect you and it must be clearly identified as “Medicare Supplement Insurance.”  Insurance companies can sell you only a “standardized” policy identified in most states by letters A-N.  All policies offer the same basic benefits, but some offer additional benefits so you can choose which one meets your needs.

Information taken from the Centers for Medicare & Medicaid Services 2020 Medicare and You guide.   

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