Joans Insurance Services Inc

Specializing in helping seniors understand their choices

Prescription Drugs

Are my medications covered?

Is my doctor in the plan?

Part A, Part B, Part D

What does it all mean?

Intro to Medicare

Choices, Choices, Choices

If you are already on Part A and Part B of Medicare, there are many choices available to you.

Medicare Advantage

Medicare Advantage plans are managed care plans. They are available from zero premiums and zero copays, to plans that charge more. Offered by the health plan carriers, they are among the most affordable plans available.

Part A & B plus Medicare Supplement

A Medicare Supplement helps fill in the gaps that Part A and Part B don't cover. It's sometimes called Medigap.

Getting the most out of your benefits

Additional benefits are sometimes included, such as vision or dental. Or they may be available for an additional fee.

Prescription Drugs

Prescription drug plans, also called Part D, are an important part of your health care. Some plans are stand-alone. Some plans are already included in the Medicare Advantage Plans.

Give me a call!

As an independent agent, I can answer your questions and help you find a plan that's suitable for you.

If you have mobility issues and find it difficult to get out, I can come to you.

Case 1

I've had a lot of health issues. My doctor needs to be in the plan.

With a plan comparison, we can verify that your doctor is in the plan. We can also compare, so that you get the best benefits suited to your medical needs.

Case 2

I travel a lot. Can you tell me what plans are available for me?

I represent carriers that have plans that cover you when you travel out of state. It's important to know what your plan covers.

Case 3

I'm on a number of medications. Are they in the plan?

With many plans to choose from, we can look up your medications to find the plan that is suited to your needs.