Welcome to Elder Coverage

Founded by Arnold Klein, CLU in 2012, Elder Coverage is a full-service insurance broker specializing in Medicare benefits. If you are 65 (or about to turn 65) we can help you navigate Medicare and avoid making mistakes by deciding which Medicare plan or plans that will provide the best coverage for you.

Please click the link below to list your current medication, dose, frequency taken and if they are generic and we'll find the right plan for you.

Prescription Drug Form

We specialize in providing the following plan options:

Medicare Supplemental Plans (Medigap)

Original Medicare pays for many, but not all, health care services and supplies. A Medicare Supplement Insurance policy (or "Medigap" policy), sold by private companies, helps pay some of the health care costs (or "gaps") that Original Medicare doesn't cover - like copayments, coinsurance, and deductibles. More

Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then, your Medigap policy pays its share.

A Medigap policy is different from a Medicare Advantage Plan (like an HMO or PPO) because those plans are ways to get your Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits. It's illegal for an insurance company to sell a Medigap policy to anyone who is still enrolled in a Medicare Advantage Plan. If you have a Medicare Advantage Plan and want to return to Original Medicare, you can buy a Medigap policy that will start when your coverage begins under Original Medicare.

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Medicare Advantage Plans (Part C)

A Medicare Advantage Plan (like an HMO or PPO) is another Medicare health plan choice you may have as part of Medicare. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare. More

If you join a Medicare Advantage Plan, the plan will provide all of your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage. Medicare Advantage Plans may offer extra coverage, such as vision, hearing, dental, and/or health and wellness programs. Most include Medicare prescription drug coverage (Part D).

Medicare pays a fixed amount for your care every month to the companies offering Medicare Advantage Plans. These companies must follow rules set by Medicare. However, each Medicare Advantage Plan can charge different out-of-pocket costs and have different rules for how you get services (like whether you need a referral to see a specialist or if you have to go to only doctors, facilities, or suppliers that belong to the plan for non‑emergency or non-urgent care). These rules can change each year.

Pharmacy Plans (Part D)

Medicare prescription drug coverage (Part D) adds to your Medicare health care coverage. It helps you pay for both brand-name and generic drugs. Medicare drug plans are offered by insurance companies and other private companies approved by Medicare.

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