324 Hampton Place, Okatie, SC 29909
Phone: 843-705-9172
Fax: 843-705-9171

Medicare

At Southeastern Insurance Agency, we are Medicare Health Care and Prescription Drug program specialists. Dedicated to the education, guidance, assistance, and service for our clients and their families. Individual and small group seminars for persons about to become eligible for Medicare are always available at no cost or obligation. Ongoing annual updates are provided to our clients through emails when important Medicare information becomes available. We publish an annual clients letter which is sent to every client.

Original Medicare

Parts A & B, of Medicare are called Original Medicare, and are the basis of all Medicare and Medicaid programs. Rules regarding eligibility and the Initial Enrollment Period (IEP) are the events that most concern eligible beneficiaries about three or four months before their 65th birthday or disability eligibility dates. We offer our counsel regarding how the system works, but Medicare and the Social Security Administration are the two agencies that make sure you are enrolled properly and on-time with all the benefits you are entitled to. You will find their information on our Resources page on the home row menu bar at the top of each page

Medicare Supplement or Medigap policies remain the most popular of the Medicare health options available. Medigap policies are defined by Medicare as: "Original Medicare pays for many, but not all, health care services and supplies. Medicare Supplement Insurance policies, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles."

"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. You have to pay the premiums for a Medigap policy."

Medicare Supplement policies do not provide Prescription Drug plans as part of the supplement policy. A stand-alone prescription drug plan (PDP) must be purchased to remain in compliance with Medicare Initial Enrollment Period (IEP) required enrollments unless other creditable PDP coverage is provided.

Medicare Advantage Plans

"A Medicare Advantage Plan (like an HMO or PPO) is another way to get your Medicare coverage. Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are offered by private companies that Medicare approves. If you join a Medicare Advantage Plan, you'll still have Medicare but you'll get your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage from the Medicare Advantage Plan, not Original Medicare. You'll generally get your services from a plan's network of providers."

Prescription Drug Coverage

"You usually get prescription drug coverage (Part D) through the Medicare Advantage Plan. In certain types of Medicare Advantage Plans (PFFS or MSA plans) that don't offer drug coverage, you can join a Medicare Prescription Drug Plan. If your Medicare Advantage Plan includes prescription drug coverage and you join a Medicare Prescription Drug Plan, you'll be disenrolled from your Medicare Advantage Plan and returned to Original Medicare."

You should know...

We will provide to the best of our knowledge, experience, time and available resources, guidance, assistance, and direction in matters we are licensed to discuss, educate, and enroll eligible beneficiaries. We are licensed in the State of South Carolina. We do not provide any legal, fiduciary, local, state, or federal government, Medicare or Medicaid determinations or interpretations of regulations or laws. All insurance companies we represent have final determination on whether or not they will issue a policy. None of our employees or officers in our employ represents Medicare or any Federal Agency. We do not charge fees for our service. We may receive a compensation from an insurance company we represent for enrollments.

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