Looking to Have Your Current Medicare Plans Reviewed?
If you would like to have your Prescription Drug Plan (Part D) or Medicare Advantage Plan (Part C) reviewed by All Caring Insurance for the upcoming year, click the button below and send us your details. Phone or in-person appointments may be scheduled upon request.
Important: The Medicare Advantage & Prescription Drug Plan Annual Election Period is October 15 – December 7.
Filling the Gaps in Original Medicare
Medicare Supplement (Medigap) plans fill in some of the gaps in coverage in Original Medicare. Deductibles, coinsurance, copayments, and foreign emergency health coverage — all of these are costs you would normally pay out of pocket without a supplement plan. Prescription drug plans are another area of coverage that Medicare Parts A & B do not include.
We work to educate our clients, helping them understand the options available. During our consultation, we ask questions to find out what products you are most interested in, then give the pros and cons of every option. If a plan we do not offer is better for you, we will help you sign up without compensation — because we do what is best for the client.
We also offer Medicare Advantage plans (Part C) for clients who cannot qualify for or afford a Medicare Supplement. Medicare Advantage plans we offer are through United Healthcare, Anthem, Humana, Devoted, Wellcare, Aetna, and Healthspring.
Frequently Asked Questions
How do I sign up for Medicare?
If you are already receiving Social Security, you will be signed up for Medicare when you are eligible and will usually receive your Medicare card 3 months before the effective date. Otherwise, you can sign up online at secure.ssa.gov (opens in a new tab), call (800) 772-1213, or visit any Social Security office.
What do I need to do after signing up for Medicare?
Decide if you want a Medicare Supplement plus a Prescription Drug plan, or a Medicare Advantage plan that includes drug coverage. If you choose none of these, you will have a lot of out-of-pocket costs unless you are eligible for full Medicaid.
Do I have to buy a drug plan if I don’t take any medications?
You do not have to buy Part D, but you will be penalized if you do not have creditable drug coverage within 63 days of becoming eligible. Medicare calculates the penalty as 1% of the national base beneficiary premium ($38.99 in 2026) times the number of full uncovered months, added to your monthly Part D premium for as long as you have Part D.
How do I choose a prescription drug plan?
Premiums, deductibles, co-pays, formularies, and preferred pharmacies vary with each company and area. We help find the best plan based on the medications you take and where you want to purchase them.