The Association of Retired Americans is dedicated to being a primary resource for members as well as non-members throughout the industry. Below you will find details on plan types, important phone numbers, and an FAQ.

Call 1-800-ARA-PLAN to schedule a consultation with an agent today !


Medicare Supplement Insurance
Medicare Advantage Plans

A Medicare Supplement Insurance Policy helps pay some of the healthcare costs that Original Medicare does not such as Copayments, Coinsurance, and Deductibles

Need to Know:

  • You must have Medicare Parts A and B

  • You cannot have a Medicare Advantage Plan and a Supplement at the same time

  • You pay a premium for the policy in addition to the Part B premium you Pay Mediare

  • Any standardized Medigap Policy is guaranteed renewable as long as you pay the premium

  • It's illegal for anyone to sell you a Medigappolicy if you have a Medicare Savings Account Plan.

Sometimes known as "Part C" or an "MA Plan," they are offered by private companies approved by Medicare. MA Plans cover both Part A and Part B, but can ofer extra coverage like hearing, dental, vision, wellness programs, and most include prescription drug coverage (Part D). Medicare Advantage Plans can come with a premium in addition to Part B.

Drug Coverage (Part D)

Each Medicare drug plan has a formulary, list of covered drugs, in various 'tiers' which affect the drug cost. Drugs in lower tiers usually cost less than those in higher tiers.

You can get prescription drug coverage two ways:

  1. Choose a Medicare Part D Plan

  2. Choose a Medicare Advantage Plan


Your plan may have these coverage rules:​

  • You and/or your prescriber must contact the provider before you can fill some prescriptions to show that it is medically necessary.

  • Quantity limits on how much you can get at one time

  • Step Therapy: you must try one or more similar or lower cost drugs before the plan will cover the prescribed drug Costs: Part D comes with costs including, premiums, deductibles, copayments or coinsurance.​

To learn more about The Association of Retired Americans, Call 1-800-ARA-PLAN to schedule a consultation today!

What You Need

Medicare is ran through the federal government to provide health coverage for the elderly, as well as those with certain medical conditions.

Medicaid is facilitated at the state level providing health coverage primarily targeting low-income individuals.

You must be enrolled in Medicare Part B prior to getting a Medicare Advantage

The IEQ is sent by Medicare to individuals newly eligible for Medicare. It asks about prior or current health insurance. New beneficiaries need to fill this out.

The IEQ is available online at mymdicare.gov or via telephone by calling the Benefits Coordination & Recovery Center (BCRC) at 1-855-798-2627

You have a maximum of 180 days after your medicare effective date to submit this form.

It's important to understand what your Medicare Initial Enrollment Period is. If you qualify for Medicare by age, it starts three months before you turn 65, and lasts for a total of 7 months.