INTERESTED IN MEDICARE AND LIFE INSURANCE? CONTACT US!
PO Box 4313 Morgantown, WV 26504
RMI specializes in Medicare advantage plans that affordably cap medical costs and provide added benefits such as dental, optical, prescription drug coverage and more.
RMI specializes in MA plans. More than 90% of our clients enrolled in one of our several Medicare advantage plans in our three nationally recognized carriers.
1. Why do our clients choose Medicare advantage plans?
While MA plans require co-pays, annual out of pocket (OOP) costs are capped. This amount is usually less than $10000 annually but avoids catastrophic expenses that a major surgery or accident could create. Note that an original Medicare covered $300k event could still leave a $60k copay as a client’s responsibility.
2. Low premium compared to medical supplement plans. MA plans premiums range from $0 – $46/ month. Averaging around $20 or approx 10% of a typical Medicare supplemental premium. For seniors on fixed income this is a popular choice-especially since their OOP obligations are capped.
3. The added benefits!
MA plans include a laundry list of benefits not covered by original Medicare:
● Prescription drug coverage
● Optical coverage
● Dental coverage
● Hearing coverage
● Over the cover spending card
● Transportation benefits
● Home-bound meals plan
● Health club memberships and more
Medicare advantage plans by law must at least cover as much as original Medicare but as you can see adds much more for a very low cost.