About Me
Debbie Pulis (Licensed Insurance Agent)
Debbie is a licensed insurance agent who previously worked for 5 years at Soundpath Health. Debbie has a degree in business and human resource management. She enjoys helping her clients find a plan that they are comfortable with, and she will ensure that they understand their benefits. It is very important to her that all of her clients are enrolled in the best plan to fit their individual needs. She moved from Hawaii in 1985 and is a proud mother and grandmother. In her spare time, she enjoys walking in Milton, camping and spending time at the ocean.
More Coverage for Your Health Costs
Generally, Medicare covers only about 80% of your Part B (medical expenses). By selecting either a Medicare Advantage Plan with a Prescription Drug Plan (MAPD), Medicare Supplement and/or stand-alone Prescription Drug Plan, this can help you pay for the costs not covered by Medicare.
Complimentary Personalized Customer Service
I am more than happy to set up a one-on-one appointment with you. I can meet you at your home, or other convenient location. This will give us both the opportunity to find a plan that is best suited to meet your individual needs.
Choosing the Right Plan
Part C - 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 Medicare-approved private companies that must follow rules set by Medicare. 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. In most cases, you'll need to use health care providers who participate in the plan's network. Some plans offer out-of-network coverage. Remember, in most cases, you must use the card from your Medicare Advantage Plan to get your Medicare-covered services. Keep your Medicare card in a safe place because you'll need it if you ever switch back to Original Medicare." (2019 Medicare & You, pg 55)
Medicare Supplemental Insurance (Medigap) policies
"Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. Medicare Supplement Insurance policies, sold by private companies, can help pay some of the remaining health care costs for covered services and supplies, like copayments, coinsurance and deductibles. Medicare Supplement Insurance policies are also called Medigap policies." (2019 Medicare & You, pg 69)
Beneficiaries must be enrolled in Medicare Parts A & B. Medicare is billed first - Supplement is billed second - You are billed last. Policies are standardized from company to company - Policies A, B, C, F, G, K, L & N - but premiums will vary between companies. (Plans C & F will be phased out in 2020) Supplements do not work in conjunction with Medicare Advantage insurance plans. Physicians are reimbursed at Medicare Allowable Rates. These plans do not include Part D Prescription Drug coverage. If you would like to have prescription drug coverage, you would need to buy a stand-alone Prescription Drug plan.
Part D - Prescription Drug Plans
"Medicare prescription drug coverage is an optional benefit. Medicare offers drug coverage to everyone with Medicare. Even if you don't take 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 get Extra Help, you'll likely pay a late enrollment penalty if you join a plan later. Generally, you'll pay this penalty for as long as you have Medicare prescription drug coverage. To get Medicare prescription drug coverage, you must join a plan approved by Medicare that offers Medicare drug coverage. Each plan can vary in cost and specific drugs covered." (2019 Medicare & You, pg 73)
Some Part D plans are included in the monthly premium of a Part C Medicare Advantage Prescription Drug (MAPD) plan.