Healthcare can be costly but there are many ways to save.

ANNUAL REVIEW: We recommend scheduling a personal consultation with one of our agents every year so you can review your needs and see if there may be a plan with lower premiums, deductibles, copays and/or coinsurance.

BIRTHDAY RULE: If you live in Oregon or California and are enrolled in a Medicare Supplement, you might be able to save money by switching to a lower premium plan the month of your birthday.

EXTRA HELP PROGRAM: There is a federal program available to assist low income Medicare beneficiaries with prescription drug costs. 

SPECIAL NEEDS PLANS: There are special plans for people with certain chronic conditions, or for those that qualify for Medicare & Medicaid, or for those that may reside in certain assisted living facilities that may help reduce the costs of certain medications, assist in transportation to doctor appointments, and provide additional resources.