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665 Berkmar Ct Charlottesville, VA 22901

Charlottesville, VA independent insurance agency. Here to help assist with your insurance needs.

We're here to help you find the best and most affordable health coverage that meets your needs.

Click here to send us a message!

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Truth behind the confusing Medicare commercials

Odds are, you've seen those Medicare Advantage TV commercials featuring the likes of William Shatner, George Foreman, Jimmie Walker and Joe Namath touting the "free" health insurance plans offering enticing benefits not available from so-called "Original Medicare" (also called "traditional Medicare"). But are they for real?

If you're eligible for Medicare, or a loved one is, you'll want to know the answer.

Oct 23, 2022
Added by Matthew Davis

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When am I eligible to join or change
Medigap plans?

You can change your Medigap plan any time, but you may have to go through medical underwriting unless you have a guaranteed issue right, depending on what state you live in. Learn about switching Medigap plans with the help of a licensed insurance agent.

Sept 20, 2022
Added by Matthew Davis

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Vision coverage under Medicare

Original Medicare covers some vision services (eg. cataract surgery,
glaucoma, eye exams due to retinopathy, etc). In general, Original Medicare
does not cover routine vision (routine eye exam, glasses, etc).

Sept 20, 2022
Added by Matthew Davis

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Medicare Supplement vs Medicare Advantage

Deciding between Original Medicare and the Medicare Advantage program is an important first decision everyone needs to consider once they start their Medicare coverage.

Oct 23, 2022
Added by Matthew Davis

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Income Related Monthly Adjusted Amount
(IRMAA)

If you recently retired from a high-paying job, you may be surprised at the cost of your Medicare premiums.

That’s because high-income earners pay more for two different monthly Medicare premiums.

An income-related monthly adjustment amount, or IRMAA, is an extra Medicare cost added to your Part B and Part D premiums.

April 4, 2023
Added by Matthew Davis

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