Success Story of the Month

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By David S. Edge

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My co-pays are too much!!!

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Frank is 58 with permanent disabilities and has qualified for Medicare Disability as well as Supplemental Security Income. He was discussing his medical and prescription medication bills with his next door neighbor, Hanna. His medical and prescription medication co-pays were expensive and he could not believe what he had to pay each month. This was especially disconcerting to him due to being on a fixed disability income.

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He has been on the same Medicare Advantage Plan for years, and could not understand why he had to
pay so much for his medications and co-pays for medical services.

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Hanna asked a simple question, “When’s the last time you shopped all the plans to see if you can find better coverage”?

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Frank was somewhat dumbfounded and didn’t even know he could switch plans and how to go about getting comparison information. Lucky for him that Hanna had the easy answer for him. “Why don’t you see my advisor and they will do all the work for you for free because at American Retirement Advisors they are happy to help you shop! Best of all there is no charge for this service!”

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He hesitated and asked the question we hear all the time “What’s the catch”?

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“There isn’t one!” Hanna replied. “My advisor takes the time to get licensed and certified with all the plans available so that they can comparison shop and find the most appropriate plan for you”.

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Frank gave us a call and set up an appointment. After meeting with him and getting the details of his current primary care doctor and specialists, along with volunteering his current prescription medications, the search began.

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As we reviewed his options, Frank simply could not believe how much money he would save just on his co-pays
prescription medications for medications alone. He was paying over $200prescription medications and on the plan, we found for him his co- pay was only $20 for the exact same medications. The new plan also allowed him to retain his primary care doctor as well as his specialists.

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“Why didn’t anybody tell me about you guys? I didn’t even know I could switch plans or how to even do a search and comparison!” This is great! Do you realize how much money I’m going to save?”

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Remember, anyone can change their Medicare Advantage plan each year during the Annual Election
Period (open enrollment) during October 15th through December 7th. Your new plan will start January
1st of the New Year.

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So, do you have a family member, neighbor, or a friend who might be stuck on a plan and don’t
realize their options?
Call us! Where here to help!