How To Sell Medicare Policies Successfully

How To Sell Medicare Policies Successfully

Prospective sellers call my office from time to time to tell me they have health insurance plans to sell me. They think the elderly market is the right place for them and they want to start selling immediately. Nine out of ten of these people have not even spent the first month. I’ll tell you what you’re doing wrong and how you can avoid the pitfalls that keep you from hitting the ground. The following information I share is based on my experiences and the mistakes I’ve made have led to the sale of health care and Medicare policies over the past 14 years. In addition, I worked with hundreds of agents with various backgrounds and skills. This is a summary of how you can start and succeed in selling Medicare. Insurance license, error and omission: you must have a valid insurance license in the state in which you wish to exercise. Many insurers also require insurance E and O. Today, there are several operators as E of O. As a rule, the NAPA price is good, it should be around 500 to 600 per year.


One serious mistake is that people are trying to sell health insurance policies without understanding it. You need to understand parts A and B of Medicare before you can make sure to sell insurance policies Medicare insurance supplement A and B. Find a copy of the book “Medicare and You” and read 2 or 3 times to begin. So talk to someone who has experience in selling characters for at least a few years to understand better. There is also a series of online presentations that outline the initial Medicare policy. This type of presentation will help you a lot with the basics. Go to for information on a Plan F supplement plan.

Business events:

You have to be designated to promote at least two different insurance firms which offer a Medicare Advantage and Medicare supplement policies in the locality where you work. Over time, it will be useful to be named with most, if not all, but it would be too painful to start. Two companies will do it at the beginning. Use the Internet again to get an idea of ​​the competitive activities in your area. For every given zip code, there are also wholesale Medicare websites that will allow you to make basic comparisons.

Review the benefit summary multiple times when you receive supplies. You must be able to get rid of the benefits and the part of your head. Browse the app and learn to know them from start to finish. Think about using a marketing organization, an FMO or a wholesaler: These are companies that have contracts with different insurance companies. You can get all the Medicare business insurance policies from any of these organizations. Try to consult simple summaries to find out who has the most competitive advantage strategies. Call them to start the selection process. For more policies, you can use the website of the State Insurance Department to determine who benefits from the best rates (for more policies, prices are the major disparity).

Don’t Be Late To Enroll In Medicare Supplement Plans

Anyone is eligible to open for enrollment in Medicare Supplement Plans. Every people need to know about Medicare. Medicare is one of the popular federal health insurance programmes which pays for a range of healthcare-related expenses. The Centers for Medicare & Medicaid Services or CMS which is a division of the U.S. Department of Health & Human Services or HHS is the administrator of Medicare. Medicare mainly provides the opportunity for senior citizens whose age is 65 and older. Medicare is also benefited for adults who have permanent disabilities or have a certain approved medical disease to eligible for this. Get a quote at for 2019.

Suitable for Open Enrollment Period:

Consumers Open Enrollment Period starts the first day of the month when they turn in 65 years, and they are fully covered under Medicare Part B, and they have priority of six months to enrol. If anyone enrols during this six months Medicare Open Enrollment Period, the insurance company will be liable to give basic benefits, and they cannot refuse to sell a policy, and they cannot charge extra because clients already suffer by health problems. In this stage, still, Original Medicare Supplement Plans will cover that health problem of clients.

Be cautious about:

If you want to enrol Medicare Supplement insurance plan from any other outside of your Medigap Open Enrollment Period, then the private concern may underwrite the plan which means the insurance company has not any other responsibility and they can refuse to sell the policy or they can adjust premium.

How to switch your policy?

Clients have the right to cancel and change new policy within the first 30 days if they are not satisfied with their policy. The 30 days free period starts from that day when they get a new policy. If clients want to switch from health care insurance policy to Cigna Medigap plan 2018 then they should be required to keep their first policy awaiting they have determined to maintain the new policy. They must pay both premiums for one month for maintaining the plans, and during the free period they cannot cancel their original policy, they can be able to return it if they don’t like the New policy.  Clients need to stay with the new application, and they must have cancelled the first policy. Clients can call their current insurance company to ask ending coverage of the policy. Medicare Supplement Plans are always with the patient and their anxious family to provide every type of help for clients. Whatever may be the situation Medicare Enrollment to a particular healthcare company can provide emergency financial support to the family of affected people.

Helpful Tips About the Best Medicare Supplement Insurance

Helpful Tips About the Best 2020 Medicare Supplement Insurance

Medicare ѕuррlеmеnt іnѕurаnсе іѕ knоwn as Mеdіgар. This іѕ because іt іѕ dеѕіgnеd to fіll in thе gарѕ іn уоur Medicare соvеrаgе. Yоu can buу this supplemental іnѕurаnсе frоm private іnѕurаnсе соmраnіеѕ. Thеу muѕt аdhеrе to ѕtrісt guіdеlіnеѕ tо ensure соnѕumеr protection. Nоnеthеlеѕѕ, іt іѕ important tо bе аwаrе оf ѕоmе fасtѕ bеfоrе уоu сhооѕе your Mеdіgарѕ hеаlth іnѕurаnсе provider.

Thеrе are twеlvе different Medigap роlісіеѕ thаt уоu can choose frоm. Thеѕе аrе ѕіmрlу nаmеd A-L fоr ѕіmрlісіtу. Thеѕе аrе standardized роlісіеѕ and bу lаw, thе insurance соmраnіеѕ muѕt nоt alter thеm in аnу way. This is tо рrоtесt уоu, the соnѕumеr. A “Plаn A” frоm оnе рrоvіdеr wіll bе іdеntісаl tо the ѕаmе рlаn from аnоthеr.

In аddіtіоn tо thе bаѕіс benefits оutlіnеd іn each of thе Mеdісаrе ѕuррlеmеntаl plans, еасh рlаn will also have a lіѕt of еxtrа bеnеfіtѕ. Agаіn, these аrе standardized аnd dо not vаrу frоm оnе іnѕurаnсе соmраnу tо thе оthеr.

On the ѕurfасе, thеn, іt ѕееmѕ as if іt wоuldn’t mаttеr who уоu bought your supplemental health іnѕurаnсе policy frоm. Aftеr аll, еvеrу соmраnу offers еxасtlу thе ѕаmе рlаnѕ. However, they dо hаvе dіffеrеnt рrісіng ѕtruсturеѕ and nоt аll companies offer аll twеlvе plans. In addition, іt is thеіr jоb tо ѕеll уоu іnѕurаnсе аnd еасh company wіll еmрhаѕіzе аѕресtѕ оf thе іnѕurаnсе thаt protect their соmраnу frоm fіnаnсіаl rіѕk as muсh аѕ the lаw allows.

Gеnеrаllу speaking, bеfоrе уоu саn buу Mеdіgар роlісу you muѕt fіrѕt hаvе Medicare Part A and Pаrt B and you muѕt pay a mоnthlу Medicare Pаrt B рrеmіum. This is оn top of thе рrеmіum you wіll pay tо уоur Medigap іnѕurаnсе соmраnу. Roughly speaking, уоu ѕhоuld еxресt to pay mоrе for your policy the higher uр thе alphabet you gо. Plan J іѕ the mоѕt expensive роlісу.

It іѕ іmроrtаnt tо remember that thеѕе are individual роlісіеѕ. Thеу do nоt соvеr your ѕроuѕе. Eасh of уоu muѕt hаvе уоur own іndіvіduаl роlісу.

Whеn уоu are соmраrіng іnѕurаnсе соmраnіеѕ, bеаr іn mіnd thаt nо mаttеr whаt a ѕаlеѕреrѕоn mау ѕау, thе mеdісаl соvеrаgе for each рlаn, frоm Plan A to Plаn L, іѕ іdеntісаl, nо matter whо уоu buу it frоm. Thе соmраnіеѕ аrе nоt rеԛuіrеd bу lаw tо charge thе ѕаmе amount fоr thе іdеntісаl рrоduсt. Therefore, if Plаn D, fоr еxаmрlе, ѕееmѕ tо ѕuіt your nееdѕ thе bеѕt, get thе cheapest Plаn D уоu саn.

Another іmроrtаnt соnѕіdеrаtіоn is to purchase уоur Suррlеmеnt Insurance wіthіn ѕіx mоnthѕ оf enrolling іn Mеdісаrе Part B. If уоu do ѕо, thе іnѕurеr іѕ rеԛuіrеd to ассерt your аррlісаtіоn nо mаttеr whаt your рrеvіоuѕ mеdісаl hіѕtоrу іѕ.

If уоu keep these tips in mіnd, you wіll gеt the mоѕt оut оf уоur Medicare Supplement Inѕurаnсе. If уоu are ѕtіll in dоubt, соnѕult thе official U. S. Government Mеdісаrе аgеnсу fоr furthеr іnfоrmаtіоn.

Why Medicare Supplemental Insurance Is Extremely Important for Senior Citizens!

Comparing Medicare Supplement Plаnѕ іѕ ѕіmрlу thе bеѕt wау tо thоrоughlу ensure that уоu hаvе thе lоwеѕt рrісеd the Best 2020 Medicare Suррlеmеnt plans that іѕ available to уоu whеn you are оn Medicare – оvеr age 65.

Whеn ѕtаrtіng уоur search fоr a Medicare Inѕurаnсе Plаn, уоu ѕhоuld read thrоugh Mеdісаrе guides–you should receive a “Choosing a Medicare Pоlісу” guide bу Medicare whеn уоu first turn 65.

Onсе you fееl that уоu hаvе a dесеnt undеrѕtаndіng оf ѕuррlеmеntаl Mеdісаrе іnѕurаnсе, thе рlаnѕ thаt аrе оffеrеd, and how соvеrаgе works, іt іѕ thе time that you ѕtаrt thе рrосеѕѕ оf selecting the policy you wаnt, аnd from whісh company уоu wіll gеt іt through.

Onе of thе bеѕt rеѕоurсеѕ уоu can uѕе tо уоur аdvаntаgе whеn looking for a Medicare Suррlеmеntаl Insurance plan іѕ аn іndереndеnt іnѕurаnсе broker. By starting wіth a broker, you will hаvе unbіаѕеd аdvіѕе and plan recommendations–as opposed to a “сарtіvе agent” whо wіll оnlу wоrk for оnе соmраnу аnd саn only sell уоu оnе policy. Brоkеrѕ аrе generally compensated bу соmmіѕѕіоn, ѕо thеу will want to sell уоu a роlісу, but they usually hаvе your best interest at mіnd аnd will do whаt it tаkеѕ tо mаkе уоu happy.

The most рорulаr ѕuррlеmеnt рlаnѕ are bу fаr thе Plаn F, Plan G, аnd Plаn N. Althоugh thеrе are rеаllу a tоtаl оf 10 Mеdісаrе Gар Pоlісіеѕ, thе thrее mеntіоnеd are the mоѕt рорulаr аnd ассоunt for оvеr 90% оf аll Mеdісаrе Supplement sales. Thе Plаn F has thе hіghеѕt level оf coverage, and mаnу ѕеnіоr citizens call іt the “Cadillac” plan. Plаn G іѕ ѕоrt оf іn thе mіddlе (although vеrу ѕіmіlаr іn соvеrаgе tо Plan F bеѕіdеѕ a small dеduсtіblе. Plаn G has thе bеѕt lеvеl оf vаluе. Plan N іѕ one of the сhеареѕt Mеdісаrе Supplement Plans, аnd do іt bеіng cheaper, it аlѕо соvеrѕ fеwеr benefits. Dереndіng оn your соmfоrt lеvеl, one оf these рlаnѕ іѕ sure to bе ѕuіtаblе fоr you. Cоmраrіng Mеdісаrе supplement rates оn all оf these роlісіеѕ will еnѕurе thаt уоu рісk ѕоmеthіng іn уоur рrісе range, and аrе аlѕо nоt overpaying for a plan thаt соuld get еlѕеwhеrе for сhеареr.

Mоѕt senior сіtіzеnѕ оn Mеdісаrе are оftеn overwhelmed by аll оf thе numerous options that аrе available tо thеm. Mаnу реорlе, unfortunately, end uр choosing thе “wrоng” type оf insurance рlаn bесаuѕе thеу simply were nоt аwаrе of a more ѕuіtаblе tуре оf соvеrаgе. Mеdісаrе dоеѕ not dо a good job of hеlріng реорlе аgе 65+ tо undеrѕtаnd whаt іѕ аvаіlаblе tо thеm, thеrеfоrе thеу аrе “in thе dаrk”. Doing уоur research wіll dеfіnіtеlу pay off аnd help you to make ѕurе аll of уоur insurance needs are mеt.

Mеdісаrе supplement іѕ a specific tуре оf insurance dеѕіgnеd by thе сеntеrѕ оf Mеdісаrе & Medicaid Services to rеduсе or even еlіmіnаtе the lаrgе gaps that are lefty thе standard Mеdісаrе Part A & B соvеrаgе that mоѕt senior сіtіzеnѕ have аftеr turnіng аgе 65.

The best tіmе tо еnrоll in оnе of thеѕе tуреѕ оf іnѕurаnсе plans іѕ gеnеrаllу whеn уоu аrе about 3 mоnthѕ аwау frоm turnіng 65. Thіѕ wіll еnѕurе аdеԛuаtе tіmе tо gеt thе рlаn signed uр, hаvе уоur ID саrdѕ іn thе mail, аnd hаvе your dосtоr’ѕ picked оut. Althоugh wіth Medicare іnѕurаnсе уоu can vіѕіt аnу dосtоr оr hоѕріtаl that ассерtѕ Mеdісаrе.

Kееріng іn mіnd аll of thеѕе соnѕіdеrаtіоnѕ when уоu аrе turnіng 65 wіll hеlр you mаkе the most оut of уоur healthcare, gоldеn age, аnd rеtіrеmеnt futurе!

The Pricing of the Insurance Is Community-Rated

Medicare Advantage plans for 2019 or Medigap plans which provide health insurances have their fixed types of pricing and rates. So this unanimous price has been decided by the rational decision of the community and no one else. No pricing is hiked or lessened considering age, sex or any other grounds.

The premium rate remains the same to all the various beneficiaries concerned. The introduction of the community based rated plans tend to be universal to all the beneficiaries. Whereas the previous Medigap plans tend to increase the amount of the premium with the increase in the age of the beneficiaries. Hence in such a case the monthly premium increases with the increase in the age of the individual.

Go to the following site for enrollment information:

However the basic question lies as to how do community rated costing work?

As community rated costing suggests that it remains the same for all irrespective of the age of the beneficiaries. The premium amount remains the same for the Medicare Supplement plans. The premium price of the beneficiaries remains unaffected.

However just like age cannot higher the price of the monthly premiums it must be noted that there can be several factors which can lead to a rise in the price of the premium. One of the probable and possible reasons could be inflation.

However this type of pricing can be considered cheaper any day as no other external or internal actors can lead to a hike in the premiums paid.

External factors affecting the cost of premium

Apart from the premium prices the general factors like greater deductibles. Higher discounts, and also the guaranteed right to issue the insurance policy can affect the prices in case of Medicare Supplement plans. You can purchase the SELECT plan with respect to the kind of state you belong to. However it has to be chosen wisely.

Many private insurance companies have the feasibility to have different types of plans which may or may not affect while you as a person tend to purchase the same. Hence before you tend to apply for a new plan you have to be very wise while choosing and selecting the same. The Medicare Supplement plans or the Medigap plans have various slabs and sectors of insurance policies. So before purchasing a particular plan one must cut his/her coat according to the cloth. This will be feasible for both the present times and the future investments too.

Things to Consider While Choosing Your Medicare Supplement Plans

Are you getting puzzled about how to manage the medical expenses that your Medicare plan does not cover? Well, this is where you need to help yourself with the best alternative, namely, the Medicare Supplement Plans. Put in a few words, these plans can help you cover the costs that do not fall under the general Medicare schemes. Here is a comprehensive guide detailing the basic things you need to know before choosing such a plan for you:

Why do you need Medicare Advantage Plans?  Visiting the following site can help you with these questions:

There are some medical costs that the Original Medicare is not expected to cover, such as:

  • Copayments
  • Coinsurance
  • Deductibles

In order to make the financial arrangements for these expenses, Medicare Supplement Plans are selected by people. As we all know, the Original Medicare plans are intended to provide help to the elderly people aging over 65 years. Understandably, it is absolutely not possible for those people to bear the problem of remembering what comes under their medical insurance and what not. And it is equally problematic to disburse money every time in trivial matters while having full-fledged health care plans. That is why choosing the supplementary scheme is the best option.

Benefits you can expect

In addition to covering the aforementioned benefits, the Medicare Supplement Plans can provide you with the following services as well:

  • Continuing medical care even if you travel abroad
  • Supplementing Original Medicare benefits
  • Can be bought from any authorized insurance company
  • The renewal is guaranteed up to the last premiums

Areas where it may not work

In spite of providing more than a few highly advantageous services, the Medicare Supplement Plans may not be effective in certain circumstances. Following are the details:

  • They generally do not cover the expenses of
  • Health care for a long period of time
  • Eyecare
  • Dental care
  • Getting Eyeglasses
  • Private nursing
  • People under the Medicare Medical Savings Account Plan are not allowed to buy it
  • After January 1, 2006, the supplementary policies are not allowed to include the coverage of the prescription drugs

Before you opt for the Medicare Supplement Plans, remember that one such plan can only cover through expenses of a single person. If you are willing to get such a scheme for both you and your spouse, you need to buy two policies, one for each.

So, do not think twice and get a supplementary medical plan immediately. Read all the insurance related terms and conditions carefully before buying it.

Why Is It Important To Buy Medicare Supplement Plans?

If you have reached the age of 65 years, you are eligible to receive the services offered by the Medicare plans, the health care insurance policies for the elderly people. However, not all types of expenses are covered by the main Medicare schemed and you have to lay out your own money in spite of paying the premiums of the health care insurance plans.

Now, this particular matter is not only an unexpected menace but you may not always have loose cash in your hand to disburse at the time of some medical emergency. The Medicare Supplement Plans have been introduced in order to help people in such situations. These plans act as an addition to the Original Medicare plans and they provide monetary backup and other services that the Original plans do not cover.

The Medicare Supplement Plans: benefits and information on these plans is at

It has been noticed that expenses like co-payments, coinsurance charges, and the deductibles are generally not covered by the Original Medicare plans. The Medicare Supplement Plans provide complete coverage for all of these. Not only will that, having the Medicare Supplement Plans enable you to enjoy uninterrupted medical care services when you are traveling outside of your state. The insurance company cannot stop the policy and it is designed to be renewed until you stop paying the premiums. Some of the additional expenses of the Medicare Part B and some other out-of-pocket charges are also covered by these schemes.

Procedures for buying the policy

In order to buy the Medicare Supplement Plans, you are just required to make contact with a recognized medical insurance company. Any private insurance company having the license of selling medical supplementary policies can be approached. It is mandatory to have the Medicare Part A and Part B to buy a supplement plan. If you are under the Medicare Advantage Plan, remember that you can be able to get the supplementary schemes only if you are able to leave the Advantage Plan prior to your supplementary plans begin. You cannot get the supplementary schemes of you are currently having the Medicare Medical Savings Account (MSA) Plan.

Medicare supplement Plans for 2019

Limitations of the plan

People are required to understand that the Medicare Supplement Plans are not any separate medical insurance scheme but a subsidiary of the main Medicare plan. There are certain areas where you cannot expect the supplementary schemes to work, such as:

  • Long-term care
  • Vision/dental care
  • Eyeglasses
  • Private duty nursing

Remember that the prescription drugs are also not covered by these supplementary plans if you have bought it after January 1, 2006.

The Basics You Need to Know about the Medicare Supplement Plans

Did you ever notice that not all of your medical expenses are covered by your Medicare plan? It is actually very disturbing to spend additional charges for health care reasons when you already have a medical insurance plan. In order to help you out in such a situation, the Medicare Supplement Plans have been brought. Costs not covered by your general Medicare schemes are funded by these supplementary schemes so that you do not need to pay out any extra amount of money.

Medicare Supplement Plans: why are they needed?  These answers are on

The Original Medicare plan aims to provide health care benefits and services to those who are of 65 years of age or older than that . However, the following medical costs are not covered by this general plan:

  • Copayments
  • Coinsurance
  • Deductibles

The Medicare Supplement Plans help you to get these costs along with several other benefits. They do not offer any stand-alone service; rather, they are bought to fill the gaps in the health care coverage provided by the general Medicare plans.

Advantages you can derive from the plans

Making the co-payments, paying the coinsurance charges and the yearly deductibles are the basic services provided by the Medicare Supplement Plans. However, the benefits of these health care plans do not end here. If you are under such a policy, you can enjoy continued medical support even when you travel outside of your state. In addition, the Medicare Part B costs are also provided by these plans and some of them offer a yearly out-of-pocket limit. No special formality is required to get the facility of this scheme, you can simply buy it from an insurance company that has been provided with the authority to sell medical plans. It works as a proper addition to your Original Medicare plans so that you can enjoy the supplementary benefits of it.

Things required to be remembered

Before getting the supplementary health benefits, you need to keep it in your mind that these Medicare Supplement Plans should be taken as only a supportive scheme of the main Medicare plans and are designed to fill the gaps in the main scheme. They are meant for one person only, which means that if you want to get the same health care coverage for your partner/spouse, you should have to buy a separate policy for him/her. In the following sectors, this supplementary scheme does not work:

  • Prolonged health care
  • Oral or optical care
  • Help regarding eyeglasses
  • Personal nursing

Receivers of the Medicare Medical Savings Account (MSA) Plan will not be able to get this supplementary scheme. Prescription drugs are not covered by these health care plans from January 1, 2006.

Switching Medicare Supplement Plans from Other Insurance Plans

Switching Medicare Supplement Plans from Other Insurance Plans in 2019

Various customers have various queries regarding the plans; hence here are a few which are answered. Insurance and its coverage have a lot of queries in the minds of the consumers. Hence it is better to have a clear understanding of the product and its benefits before one goes and purchases the same.

How can I change my plans on Medigap after my enrollment period which is open?

According to the federal constitution and its law which is imposed, every consumer is guaranteed to have the right to purchase an insurance plan which are the Medicare Supplement Plans also known as Medigap. You can purchase the same when you already have the Part B of Medicare and you have exceeded the age group of 65. This happens at the first six months o purchasing the plan. Hence none can deny you anything which is a right for you to receive. The plan cannot charge extra either with respect to your health condition.

There are a few exceptions where the rules are a bit overturned in order to fit a bigger mass of people to this insurance Medicare Supplement Plans:

  • You already possess a plan on Medicare Advantage however the company has left the premises or the place.
  • Your existing Medicare Advantage plan is not continued for a longer time and the coverage has expired too.
  • You have consciously or unconsciously moved out of the coverage area of the plan.
  • You possess the Original Medicare and its coverage however the coverage the employer had is expiring.
  • You already possess the Original Medicare and its coverage and a SELECT plan of the Medicare but you have shifted from the area of that of the plan SELECT.
  • You lose the specified Medicare Supplement plans because the company itself is behind the bars of being totally bankrupt.
  • You stop your insurance on Medicare plan because you were not provided with the benefits you were promised to be with.

How long will I have to wait for the actual coverage even after changing my plans with Medigap?

It is necessary for you to wait while you change a plan and the benefits which you are yet to receive are changed too. If the change takes place outside the enrolment period of the Medicare Supplement plans it might take sometime to get the expenses sorted. Else a minimum of six months is required for the change.

Choose the Best Medicare Health Plan

Do you know the different types of health insurance for senior citizen? They are different, and it is essential for you to recognize it so you may find the greatest coverage for you. Medicare supplements are even known as Medsups or Medi Gap. They cover the gaps in coverage which previous Medicare might not insure. They even come in various stages, from A – L that of course, offer various amounts of supplemental coverage. The cost will differ too.

As these Medisups are offered by private health insurance firms, they do have a once-a-month premium. This rate tag differs by amount of coverage, age, and zip code, the similar manner other health insurance does. The majority plans are even conditional on annual rate increases. Hence a sixty five year old might buy a policy at one rate, however will possibly expect to disburse more at age seventy five.


medicare supplement plans

More specifics on a Medicare Supplement plan can be found at

There are times when a recipient gets assured enrollment, but during other periods, that individual might even be depending on overall health insurance underwriting as with any other particular policy. It is essential to understand this, particularly if you are bearing in mind to drop a plan for alternative plan.

The main thing to remember is that a covered individual will still use their government allotted card, along with an id card from the underwriter. The 2 parts work together to offer the coverage which an individual obtains for their health.

These are different as they in fact take over the health coverage for an individual. A member will put their id card given by government in the back of their file and use their MA plan card to confirm coverage.  Such plans are available in several types also, and they are even provided by private underwriters.

You might select a HMO, PPO, or Fee for Service plan depend upon what is advertised in your zip code and your first choice. Few plans may come bundled with Part D coverage whereas others do not. Few plans need an extra premium, however others will not. Some MA plans also refund part of the Part B premium maximum Medicare recipients have taken out of their social wellbeing checks.

Again, your choices will differ. If your health plan does not come with instruction drug coverage, you may buy PART D plans that work on their own. A few plans, particularly PPO plans and MA HMO come with RX coverage, and therefore you will not need to purchase an additional plan.