Vital Coverage Group, LLC, and Medicare Jeff, and Medicare Buzz! are Privately Owned and Operated. Not a Government Agency.
Medicare 'Peace of Mind'
Let Medicare Jeff of Vital Coverage Group Be Your Independent Medicare Enrollment Guide
Hello, I am Jeff Tadie, an independent, licensed insurance agent and agency owner of Vital Coverage Group helping people understand and enroll in Medicare across the United States.
As you near Medicare eligibility I would be pleased to discuss the important decisions you will make as you enter Medicare. I will help you navigate the maze and identify Medicare plan choices to fit you, your budget and lifestyle. My Medicare enrollment guidance and ongoing advocacy is 100% complimentary.
I certify annually for well-known insurers including United Healthcare, Aetna, Humana & United American.
READY TO START down the path to Medicare 'Peace of Mind'?
🤙 Call me at 703-579-7611 or email Jeff@VitalCoverageGroup.com as you begin to consider Medicare and I will share a simplified road map to get you there.
Licensed in CO, FL, MD, MI, NC, NY, SC, TX, VA, WI
"Jeff has been amazing. Answered all my questions quickly and simply, making it easy to understand and make the
right decision. He continues to be in touch and appreciate his willingness to continue to answer my stupid
questions with humor and patience. A+++ Don't hesitate." ⭐️⭐️⭐️⭐️⭐️ (Barbara P.)
Did you know there are 2 paths to "close the 20% gaps" in 'Original Medicare'?
Your Medicare plan choice may become permanent insurance. Work with an independent professional to understand the differences before you enroll.
👉 Path 1:
'MEDICARE SUPPLEMENTS' / 'MEDIGAP'
Medigap enrollment discussion topics:
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Steps to validate you earned & activated Part A
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Steps to register for Part B on 'your' correct date
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Choosing Medicare Supplement / Medigap Plans
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Choosing Prescription Drug / Part D Plans
Typically, as you first become eligible for Medicare, you are guaranteed access to a Medigap plan. However, there are strict rules and qualifying for later entry or re-entry.
Certain Medigap Plans offer benefits that some enrollees prefer (over Medicare Advantage):
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No networks, you can choose almost any Doctor
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No referrals may allow faster access to specialists
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Less 'step care' treatments, and less pre-approvals
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Substantial International non-emergency care
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No copays for Emergency Room or Drs Offices
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Very small 'out of pocket' amounts
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Very reduced 'cancer copays', if any
👉 Path 2:
'MEDICARE ADVANTAGE' / 'PART C'
Medicare Advantage enrollment discussion topics:
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Steps to validate you earned & activated Part A
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Steps to register for Part B on 'your' correct date
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Choosing Medicare Advantage / MAPD Plans
Typically, as you first become eligible for Medicare, you are guaranteed access to a Medicare Advantage plan. After a year on Medicare Advantage, you may have to remain on Medicare Advantage as there are strict rules and qualifying to transfer to a Medigap / Medicare Supplement plan.
Already decided on an Advantage plan?
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You will be able browse plans in states I am licensed* in. If you are 100% sure of your Medicare Advantage Plan selection, you may enroll online during your enrollment period on my Medicare Advantage / Part C enrollment website at www.BrowseAndEnroll.com
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*Licensed: CO, FL, MD, MI, NC, NY, SC, TX, VA, WI
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Email me for other states.
Medicare 101: Learn more about Medicare Supplement (Medigap) Plans, Medicare Advantage Plans and Prescription Drug Plans.
Medicare Supplement Plans (Medigap)
Protection From Gaps in Orig. Medicare A & B
Medicare Supplement (or Medigap) plans provide insurance coverage for the 20% expense "gaps" that 'Original Medicare' Parts A & B do not cover, including deductibles. co-payments and co-insurance.
Qualifications
You must qualify for the Part A of 'Original Medicare' (ask Jeff) and be enrolled for Part B and pay the Part B monthly premium, including any Income Related Monthly Adjustment Amount (IRMAA) increase.
Any Doctor, No Networks, No Referrals Needed
With a Medicare Supplement plan, you can utilize any doctor / provider that accepts Medicare. No referrals are needed as long as you utilize a doctor or provider that accepts Medicare (which is the vast majority of doctors and providers).
Portable Coverage, Accepted Anywhere
Medicare Supplement plans cover the entire United States and you can rely on uninterrupted coverage when you travel or relocate.
Specialty / Premier Medical Facility Acceptance
Google says "Johns Hopkins Medicine hospitals and most Johns Hopkins University physicians generally accept Original Medicare, but they do not have contracts with most Medicare Advantage Plans."
Robust International Coverage
Medicare Supplement plan also substantial insurance coverage if you travel internationally, and not just for emergency-related medical services.
'Medicare Advantage' Plans (Part C)
Medicare Advantage Plans
An alternative privatized version of Medicare coverage where Medicare-approved insurance carriers are paid a fee by the Centers for Medicare and Medicaid Services (CMS) to provide a package of healthcare and related services following guidelines set by Medicare. Medicare Advantage plans are often called "Part C" of Medicare (or "MA" or "Advantage" plans).
Qualifications
You must qualify for the Part A of 'Original Medicare' (ask Jeff) and be enrolled for Part B and pay the Part B monthly premium, including any Income Related Monthly Adjustment Amount (IRMAA) increase.
Low Monthly Premiums
Medicare Advantage plans may offer low monthly premiums. They typically offer prescription drug coverage, and may include added benefits such as vision exams, dental cleanings, and more.
Provider Networks May Be Limiting
In many cases, you’ll need to use health care providers who participate in the plan’s network and service area for the lowest plan costs. These plans set a Maximum Out Of Pocket (MOOP) each year for covered services, to help reduce your overall expense, however an annual MOOP can be $7500+
Plus, Google says "For cancer-related services under Medicare Advantage, you will typically pay a copay, which is a fixed amount, or a coinsurance, which is a percentage of the total cost, for each service. Many plans require a coinsurance of 20% for cancer treatments, such as chemotherapy and radiation, until you reach the plan's out-of-pocket maximum. Once you reach the maximum, the plan will pay 100% of your covered costs for the remainder "of the year.
Adding a Prescription
Drug Plan (Part D)
Medicare Part D Prescription Drugs
Medicare Part D covers the cost of many prescription drugs. You'll secure Part D coverage through private insurance companies (who partner with Medicare), and the formulary of prescription drugs that your plan covers will vary by provider within overall guidelines set by Medicare.
Brand-Name and Generic
Most Part D plans provide both brand-name and generic prescription drug coverage. At a minimum, every provider must cover 2 options within the most common drug categories, meaning that Plan D will provide drug coverage for the majority of conditions.
2 Ways to Access Part D / Prescription Drug Plans
1) You can choose from a variety of Part D offerings from leading insurance companies that may cover the majority of your prescription costs each year.
1) A Part D plan is typically added to a Medicare Supplement plan. Part D plans typically have a modest monthly premium and an annual MOOP (maximum out of pocket) of $2000 as of 2025.
2) The second way to have prescription drug coverage is a Medicare Advantage plan which bundles in prescription drug coverage (an MAPD plan). Consumers should confirm any MAPD plan they consider has their required or anticipated prescriptions. An annual MOOP (maximum out of pocket) of $2000 typically applies as of 2025.
About
Hi, thanks for visiting our website, I hope you find it useful as you approach your entry into the Medicare program. If you can, please reach out to me 3-4 months before you'd like to join Medicare -- you may have some "homework" to do in advance so we can ensure your seamless enrollment.
I enjoy helping people evaluate Medicare insurance plan coverage and navigate how to enroll in Medicare. It can be very confusing and even more complex if you work past 65, have been a 'stay at home' spouse, etc. I am licensed to help in many states, but if I'm not able to support you directly, I can usually refer you to qualified independent professionals in other areas.
I currently reside near Washington DC and support clients across the country from here via phone calls, texts & emails.
My early career included business roles in large companies (AOL, AT&T) and a variety of roles in startups, media companies and real estate. Looks like I saved the best for last! I look forward to assisting you.
🤙 Call me at 703-579-7611 or email me at Jeff@VitalCoverageGroup.com
