Medicare Supplement


What is a Medicare Supplement? 

  • An insurance policy that helps fill gaps in Original Medicare and is sold by private companies, but regulated by Original Medicare
  • Designed to help pay for some of the costs that Original Medicare doesn’t, like copayments, coinsurance, and deductibles
  • People can use their policy at any doctor or hospital that takes Medicare, anywhere in the U.S

Our Philosophy around Medicare Supplements 

  • Education-first approach
  • One size doesn’t fit all
  • Educate you on all of your options
  • Tailor-make a full-picture Medicare plan that best suits your needs

Medicare makes changes every year and gets very confusing for most people. We take the time to meet with our clients annually and educate them on how the changes impact them. By doing this, we are able to save our clients on average $895 per year!

It’s our mission to get you the best price on your Medicare Supplemental Insurance while providing you with the best coverage for your situation from the top A-rated companies in the industry. Click here to check out some of the carriers we represent!

Misconceptions around Medicare Supplements  

Here is an example of why it is so important to review your plan every year

Mrs. Jones:

  • 73-year-old male
  • Medicare Supplement Plan G with company ‘A’
  • $275 per month for this plan

Mr. Jones worked with a KRS agent to review his policy. Based on his situation, he was able to qualify for that same Plan G coverage through company ‘B’ for $155 per month! Mr. Jones’s coverage did not change whatsoever, and he was able to go to all of the same doctors and hospitals. He got $120 back into his pocket every month. That is $1,440 per year! What would you use these savings for? We find many people are overpaying for the exact same coverage. Don’t pay more than you need to. Call us today!

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Prescription Drug Plans

If you have Original Medicare, you must get a standalone Medicare Part D plan to cover your prescription medications.

Things to keep in mind with Prescription Drug Plans:

  • Even if you do not take any medications, Medicare requires you to have a program in place, or you will get penalized
  • Based on where you reside
  • Each plan has different premiums, formularies, tiers, and cost-sharing and every year these things change
  • Every year these plans change and so may your situation and the medications you take
  • The only time you can change these plans is during Open Enrollment: October 15th– December 7th

The only time you can change these plans is during Open Enrollment: October 15th– December 7th

We take the time to get to know your specific situation and shop all the plans available in your area to make sure you’re getting the best coverage possible, while not overpaying. We do this for our clients on an annual basis!

Here is an example of why it is so important to review your plan every year

Mrs. Smith:

  •  Takes 5 medications: all tier 1 & tier 2
  •  2020 premium: $20 per month
  • Total out-of-pocket costs for the year: $600
  • The formulary of her plan changed for 2021, as well as her premium
  • She did not read the big booklet of annual notice of changes
  • 2021 premium: $53 per month
  • Total out-of-pocket costs for the year: $3,216!

Luckily, Mrs. Smith is a client of ours and we reviewed her coverage. We were able to find her a plan that covered her medications for 2021 much better!

  • New total out-of-pocket costs for the year: $750
  • Total Savings by working with KRS: $2,500 a year!

Stay ahead of the changes. Don’t get locked into these rate increases and pay more than you need to. Contact us today!

Medicare Advantage (Medicare Part C)

What is Medicare Advantage? 

Medicare Advantage, or Medicare Part C, is an all-in-one alternative to Original Medicare. Medicare, and a private insurance company, contract together to create one major medical program, where the private insurance company takes over your Medicare. You no longer have Medicare A, B, or D, but you have Medicare Part C. However, these are Medicare-approved plans and have to include all the same basic benefits under A, B, and usually D within your Medicare Part C program.

Things to keep in mind with Medicare Advantage plans:

  • In most cases, you need to use doctors who are in the plan’s network, including both HMOs and PPOs
  • Many of these plans offer some extra benefits that Original Medicare doesn’t cover like vision, hearing, and dental
  • Plans may have lower out-of-pocket costs than Original Medicare
  • $0 Premium Plans Available
  • Must continue paying your Medicare Part B premium in order to have coverage
  • Plans vary by the county that you live in
  • Only time to change a Medicare Advantage plan, or enroll in one for the first time, is from October 15th– December 7th every year
  • These programs have many benefits and continue to get better each and every year
  • Meet with your KRS agent annually to see what plans are available and what changes are being made to your current plan for the coming year

Our Philosophy around Medicare Advantage:

Medicare Advantage plans are the right fit for some people, but not for everyone. We take a client-first approach in order to get to know you first, and then we can help determine if there is a plan available in your area that would be the right fit for you

Misconceptions around Medicare Advantage 

There is so much misinformation out there. Make sure to take the time to get educated by one of our local KRS agents in your area that can help you see if there is a plan available in your county that could be the right fit for you!


More About Health Insurance Coverage

There are many different types of health insurance plans, and they cover many different kinds of situations. Some plans cover a lot of medical care, while others only cover a few services. Some plans cover preventive care, like check-ups and vaccinations, while others only cover care that is needed after something goes wrong. There are also some plans that cover highly specific types of care, like mental health visits or prescription drugs.

If you are looking for health insurance, there are a few things you should keep in mind. First, you need to decide what type of coverage you need. Then, you need to compare the different plans that are available. Finally, you need to make sure that you understand the terms of the plan you choose. By following these steps, you can be sure that you are getting the best possible health insurance coverage for your needs.

No matter what type of health insurance plan you have, it is important to make sure that you understand what it covers and what it doesn’t. This way, you can be sure that you are getting the coverage you need. You should also make sure to shop around for the best deal on health insurance. There are many different companies that offer health insurance, and each one has different rates and coverage options.

Your Health Insurance Needs

Choosing health care coverage can be frustrating because of all the complex laws and regulations surrounding health insurance. If you’re looking for help in determining the best kind of coverage for you and your unique needs, our team will happily provide a free consultation to help you make informed decisions. For more information, call or click below.


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Kristie! Thank you so much for making this so easy for me! You were the most helpful out of all the companies I contacted and I’m glad I did business with you guys. I will contact you if I have any questions. By the way awesome signature I wish I could sign like that. Have a great day.

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The Most Helpful

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I am very satisfied with the service I received, the service is amazing I am very satisfied with this company. I would highly recommend him.

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Great Agent!

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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area.
Please contact or 1-800-MEDICARE to get information on all your options