This is a very simple 1-2 step process depending on your specific needs. Some members have very serious health conditions and require more time. This entire process can be completed by your agent, online, and will sometimes require you to complete an electronic signature through email or text. All calls with Medicare members must be conducted on our recorded phone line.

You are NEVER required to release any health related or financial information whatsoever, unless it's required by the carrier or program for which you are applying. However, the more you share with your agent, the more customized we can design your coverage so please share as much as you're comfortable with.

To complete your assessment, we will need to gather information like your name, date of birth, gender, phone number and / or email & county. If you'd like to apply for additional help, we can help with that as well or you can complete the application on your own at https://www.ssa.gov/medicare/part-d-extra-help.

As required by Federal law, your information is stored using HIPAA encrypted software which is the highest security available. Your information is NEVER shared with ANYONE without a "need to know". This means we only share your information with the carrier for which you are applying or with the Federal Program for which you are applying. For more information about how we protect your information, click the links to view our terms of use and our privacy policy.

We only offer "A-Rated" Carriers as reported by AM Best These are companies like...

AARP, Aetna, AM Better, Anthem, Blue Cross, Cigna, Devoted, Humana, Mutual of Omaha, United Healthcare, Wellcare, Delta Dental and hundreds more.

Medicare has several parts and not every member needs each Part. For example, if you have a health insurance or a Medicare plan available through your employer, then you might only need Part A as a back-up to your employer coverage. You likely won't need to purchase Part B or Part D because outpatient services and prescriptions are already covered under your current group plan.

If you do not have a health or Medicare plan available through your employer, then you will need Original Medicare Part A, Part B & Part D. You might also decide you'd like help covering some of the gaps in your Original Medicare coverage. To do that, you'll need to add a Medicare Supplement as your secondary payor, or you can trade in your Original Medicare Part A, B & D for a Medicare Advantage Plan. See "Your Medicare Options" above for more information and BE SURE you discuss your options with a Medicare professional (like us) before deciding on the plan that's right for you.

COST BREAKDOWN

Medicare Part A: $0 Per Month (for most people)

Part B: $185 Per Month (unless low or high income)

Part D: $1-$185 Per Month (depends on prescriptions you're taking) PLUS the cost of refills.

Medicare Supplement: $89-$149 Per Month

Medicare Advantage: $0-$49 Per Month

ORIGINAL MEDICARE

Part A: Coverage for inpatient Services like hospital stays, limited skilled nursing and hospice

Part B: Coverage for outpatient services like doctor visits, urgent care, labs, specialists outpatient surgery etc.

Part D: Coverage for prescription drugs

MEDICARE SUPPLEMENT

Covers some of the gaps in Original Medicare like deductibles and your 20% Part B responsibility.

MEDICARE ADVANTAGE

Covers Part A, Part B & Part D services in one plan

Often includes dental, vision & hearing as well as other benefits

1) Eye exams (for prescription eyeglasses)

2) Long-term care

3) Cosmetic surgery  

4) Massage therapy

5) Routine physical exams

6) Hearing aids and exams for fitting them

7) Concierge care (also called concierge medicine, retainer-based medicine, boutique medicine, platinum practice, or direct care)

8) Covered items or services you get from a doctor or other provider that has opted out of participating in Medicare (except in the case of an emergency or urgent need)

9) Most dental care: In most cases, Original Medicare doesn't cover dental services like routine cleanings, filings, tooth extractions, or items like dentures. However, in some cases, Original Medicare may pay for some dental services closely related to certain services like: 

a) A heart valve repair or replacement

b) An organ transplant

c) Cancer-related treatments

Medicare covers preventative and wellness exams at no cost to you. See a list of approved services here.

HERE'S WHAT A MEDICARE ADVANTAGE MIGHT LOOK LIKE..

SEE EXAMPLE ADVANTAGE PLAN HERE

MEDICARE ADVANTAGE GOLD HMO PLAN

Deductible: $500 (you pay this first, before the plan begins to pay for benefits, unless it states otherwise in the summary of benefits).

Coinsurance: 20% (this is the percentage of your claims that you must pay after you've met your deductible if deductible applies). (You'll continue to pay this percentage until you've reached your plans "maximum out of pocket" listed in the summary of benefits. Once your maximum out of pocket has been met, you pay $0 for the rest of the calendar year for services.)

Maximum Out of Pocket: $4500 per year. (This is most you pay for your health services in a calendar year. This amount includes your deductible and co-insurance combined).

Preventative & Wellness: $0 (deductible does not apply)

Doctor Visit: $30 each visit (other than preventative & wellness)

Specialist Visit: $80 each visit (someone who specializes in a specific area of medicine like cardiology or dermatology)

Emergency Room: $120 each visit

Urgent Care: $40 each visit

Labs: $25 per test (unless part of approved preventative and wellness exam)

Scans: Subject to your deductible and coinsurance (up to your maximum out of pocket)

Surgery: Subject to your deductible and coinsurance (up to your maximum out of pocket)

Prescriptions: Tier One Generic: $10 - Tier Two Preferred Brands: $20 - Tier Three Brands: $55 - Tier Four Non-Preferred Brands: $100 - Speciality Medications: Deductible / Coinsurance

MOST RECOMMENDED

Medicare Supplement Plan N:

1) First You Pay: Part B Annual Deductible

2) Then You Pay: Doctor Visits: $20

3) Emergency Room: $50

4) Part B Excess Charges

Medicare Supplement High Deductible Plan G:

1) First You Pay: $2865

2) Then Your Plan Pays: 100%

Medicare Supplement Plan G

First You Pay: Part B Annual Deductible

Thern Your Plan Pays: 100%

SEE MEDICARE SUPPLEMENT PLANS CHART HERE

SAVINGS IDEAS FOR ALL MEDICARE MEMBERS:

1. Apply for "Low Income Subsidies" through Medicare. The amount you qualify for (if any) depends on your household size, combined income and your assets. Your agent can help determine how much you qualify for and will help you complete your application. Or, you can complete the application on your own by going to the "social security" secure website here.

2. When you work with Cornett Consulting, we specialise in getting you the most coverage for the least amount of money. We use a variety of financial strategize, complex calculations and technology tools to assist us in always staying ahead of the curve and ready to serve! Give us a call or a text today at 520-272-5950.

MEDICARE ADVANTAGE SAVINGS IDEAS:

1. Be sure you're always staying within your plans network. if you need a referral to see a specialist, DO NOT assume the specialist that your doctor is recommending, is also in your plans network. Make sure you check with your carrier by calling the customer service phone number on your ID card or by doing a provider search online before booking your appointment. ALSO, ask ALL providers to "verify your benefits" at the time you book your appointment. This means they will reach out to your carrier to see what's covered and what's not (if anything). This way, you will know ahead of time, what you'll pay AND you'll know if the provider is still in network.

2. Each September, you will receive a document from your carrier called "the annual notice of change". This document explains the changes in your Advantage Plan that you can expect to see for the following year. BE SURE you look this over and that you understand and are happy with your changes.

3. SHOP your options during the "Annual Election Period" each year (10/15- 12/07). New plans hit the market and old plans go away so be sure you're reviewing ALL options before changing your plan or deciding on a new plan. Your agent can help make sure you're getting the best fit for your needs or you can shop for yourself at Medicare.gov.

PART D PRESCRIPTION DRUG SAVINGS PROGRAMS:

If you qualify, there are programs that can help lower your drug costs:

Medicaid: A joint federal and state program that helps cover medical costs for some people with limited income and resources. Each state has different income and resource requirements that determine who’s eligible. Contact your state to find out if you’re eligible.

Extra Help: A Medicare program that helps pay your drug costs. You automatically qualify for Extra Help if you qualify for Medicaid, one of the Medicare Savings Programs, or Supplemental Security Income (SSI) benefits from Social Security. If you don’t automatically qualify for Extra Help, you can apply.

Medicare’s Limited Income Newly Eligible Transition (LI NET): A Medicare program that provides temporary, immediate prescription drug coverage at the pharmacy counter to people with Medicare. It’s available to people who qualify for Extra Help but aren’t enrolled in a Medicare drug plan yet. LI NET covers all Part D covered drugs.

State Pharmaceutical Assistance Programs (SPAP): These programs provide coverage from your state (or the U.S. Virgin Islands) to help pay your drug plan premiums and/or cost sharing. SPAP contributions may count toward your Medicare drug coverage out-of-pocket limit. Eligibility depends on each program’s specific rules. 

Pharmaceutical Assistance Programs (sometimes called Patient Assistance Programs (PAPs)): Some pharmaceutical companies offer programs to help pay for medications for people enrolled in Medicare drug coverage (Part D). Find out if there’s a Pharmaceutical Assistance Program (PAP) that can lower prescription costs for the drugs you take. Each company has different eligibility requirements to participate in their program. Contact the company to find out if you’re eligible and start getting help.

LICENSED SINCE 2003

Insurance and retirement needs are unique to each individual. We take the time to get to know you and your custom needs and preferences. We're partnered with the most financially strong carrier partners and we use tried and true, money-saving strategies to give our clients the advantage. Our focus is on client education. The more educated you are about how insurance is used to leverage risk, the better decision you will make on your own behalf. Text your questions to: 520-272-5950, we look forward to serving you and your family for years to come!

All services are free. The carriers pay us for our time and expertise.

Email us at [email protected] or call or text us at 520-272-5950. We are open six days per week to assist you with all of your questions. You can also reach out to your insurance carrier at the "customer service" phone number provided on your member ID card.