At the Singer Agency, we're dedicated to helping you navigate every aspect of Medicare with clarity and confidence. The Singer Agency is actively based in Brevard County, Florida, but expert services are available to clients nationwide. Whether you're local or connecting with us remotely, we're here to provide personalized guidance tailored to your unique situation. If you’re a veteran, thank you for your service. It would be our honor, as a military family, to support yours.

Medicare Advantage Plans

Medicare Supplement Insurance Plans

Medicare Prescription Drug Plans (Part D)

The basic Medicare options....

We help with the alternative choices...

Part A – Hospital Insurance

Helps cover:

• Inpatient care in hospitals

• Skilled nursing facility care

• Hospice care

• Home health care

Part B – Medical Insurance

Helps cover:

• Services from doctors and other health care providers

• Outpatient care

• Home health care

• Durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment)

• Many preventive services (like screenings, shots or vaccines, and yearly “Wellness” visits)

Part D – Drug Coverage

• Original Medicare doesn’t cover prescription drugs.

• Helps cover the cost of prescription drugs (including many recommended shots or vaccines).

• Plans offering Medicare drug coverage (Part D) are run by private insurance companies, following rules set by Medicare.

Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are an “all in one” alternative to Original Medicare. They are offered by private insurance companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. These "bundled" plans include Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance), and usually Medicare drug coverage (Part D).

Some Medicare Advantage plans offer vision, dental, and hearing benefits. Gym memberships and transportation, as well as other benefits, may also be included, depending on the plan details.

A Medicare Supplement Insurance Plan is paired with original Medicare. Any provider that accepts Medicare will take a Supplement because they only need to bill Medicare. Medicare pays their part (generally 80% of Medicare covered benefits) and sends the remainder of the bill to the Supplement which pays their part (generally 20%). It is important to note that Supplements do NOT include Prescription Drug Coverage (Part D, PDP) and for those that do not get a PDP when first eligible there will be a penalty when they do get a PDP (there are exceptions to this).

While monthly premiums may adjust annually, your plan’s benefits remain the same year after year. Once you are enrolled, your coverage is guaranteed renewable as long as premiums are paid.

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.

Each Medicare Prescription Drug Plan has its own list of covered drugs (called a formulary). Many Medicare drug plans place drugs into different "tiers" on their formularies. Drugs in each tier have a different cost.

A drug in a lower tier will generally cost you less than a drug in a higher tier. In some cases, if your drug is on a higher tier and your prescriber thinks you need that drug instead of a similar drug on a lower tier, you or your prescriber can ask your plan for an exception to get a lower copayment.