If Your Medicare Supplemet Premiums Have Reached Or Exceeded $300 Per Month

MEDICARE ADVANTAGE PPO PLAN WITH $0 OUT-OF-POCKET FOR ALL MEDICAL EXPENSES IN OR OUT OF NETWORK WITH THE EXCEPTION OF RX DRUGS

Clients and Friends,
 
Medicare’s Annual Enrollment Period and Open Enrollment ends December 7th. If you are in a Medicare Supplement policy it is probably because you want to maintain access to as many doctors, hospitals, and providers as possible. And you know that you may see any medical provider that sees Medicare patients. It is also true that if you have been with your supplement policy a number of years, you have also experienced a premium increase—probably every year on your policy anniversary. And if you are beyond 70 years of age, there’s a good possibility your premiums are $300 or more per month. If you’ve remained with your current policy through continued premium increases it must be because you have one or more medical conditions which have precluded you from moving to a lower cost Medicare Supplement policy with a significantly lower premium. Well, this new option may just provide the solution to your ever increasing costs without compromising your access to medical providers. And it is a Medicare Advantage plan which—if you apply by December 7th (the last day of Open Enrollment)—you will not have to answer any health questions and your approval is guaranteed for a January 1 effective date.

Think about it. No Medicare Part B deductible which is going to $240 in 2024. No cost for any minor or major medical care during the year. A $0 copay for Tier 1 generic drugs. No cost for anything other than Tier 2-5 prescription drugs and no premium for a stand-alone Part D Drug plan to accompany your Medicare Supplement policy! All with no risk of being declined for medical reasons and pre-existing medical conditions covered from day 1.


The greatest challenge in finding the optimal Medicare Advantage Plan is not finding the best benefits or lowest premium and prescription drug costs. It is in finding one’s doctors and hospitals in the provider network of a plan. With this plan you may go in or out of the PPO network and experience $0 out-of-pocket for everything with the exception of Rx drugs beyond Tier 1 Preferred Generics which are still available for a $0 copay!

2024 MEDICARE ADVANTAGE PPO PLAN WITH $0 OUT-OF-POCKET IN OR OUT OF NETWORK WITH THE EXCEPTION OF RX DRUGS

The additional good news is that this plan, utilizing a PPO network, means that—although you should rarely find it necessary to go outside their network of providers—should it be—you may do so at $0 out-of pocket! I believe you will find the benefits and drug costs to be excellent. (see below)

I am recommending you go with this Medicare Advantage Flex (PPO) MAPD for 2024. For proprietary and Medicare compliance regulations, I will not be identifying this plan by name or insurance company. (You must contact me for that.) But HERE ARE THE HIGHLIGHTS:

I) MEDICARE ADVANTAGE PPO PLAN
(Premiums and copays based on your residence in Texas)
Monthly Plan Premium =  $238
Health Deductible = $0
Drug Deductible =  $545 ($0 deductible for Tier 1 and Tier 2 generic drugs)
“Preferred” Pharmacies which include:  CVS, HEB, KROGER, WALMART
Drug Copays:
Tier 1 (Preferred Generic) =  $0.00
Tier 2 (Non-Preferred Generic) =  $8.00
Tier 3 (Preferred Brand Name) =  $47.00
Tier 4 (Non-Preferred Brand Name) =  $100.00
Tier 5 Specialty Drugs = 25%

D. Kenton Henry

Agent / Broker @ TheWoodlandsTXHealthInsurance.com and Allplanhealthinsurance.com
Office: 281.367.6565 
Toll Free: 800.856.6556

Text me 24/7 @ 713-907-7984

TheWoodlandsTXHealthInsurance .com

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