Welcome
All Of Your Medicare Questions Answered
Michelle Lee
Licensed Medicare Broker
About Michelle Lee - American Central Insurance
Bio
Michelle Joined American Central Insurance Services in 2008. She started as a customer service and account manager for Employer Group Benefit Plans. She was promoted to Client Service Manager. In addition to those responsibilities, Michelle is a licensed producer in life and health insurance, with a specialization in Medicare Planning. Michelle is certified with AHIP and over 50 Medicare plans.
Why Choose Michelle Lee
Medicare can be confusing! Michelle can be your personal insurance expert, when faced with questions and concerns. She will provide personalized support and guidance throughout the entire Medicare process. Michelle works with top insurance carriers to offer a wide range of affordable and flexible plans so that she can find the right plans to fit your needs.
Mission
Michelle's mission is to become a trusted and reliable source for health insurance information and services. By building relationships and educating her clients, she strives to make Medicare planning as easy and stress-free as possible.
Parts of Medicare and plan Options
Medicare Part A
Helps cover inpatient care in hospitals, skilled nursing facilities and hospice and home health care.
Medicare Part B
Helps cover services from health care providers, outpatient care, home health care, durable medical equipment and many preventive services (such as screenings, shots or vaccines).
Medicare Advantage Plans
Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are an “all in one” alternative to Original Medicare. They are offered by private 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).
Medicare Supplement Plans
A Medicare Supplement Insurance Plan is used with original Medicare. Any caregiver that accepts Medicare will take a Medicare Supplement Insurance Plan 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 Medicare Supplement Insurance Plans 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) A Medicare Supplement Insurance Plan does not change year to year (the cost can go up but the coverage does not change).
Medicare Part D Prescription Drug Plans
Medicare Prescription Drug Plan (Part D). 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.