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Your Local Medicare Insurance Agents

Are you confused by your Medicare options? Does the enrollment process seem overwhelming? The Medicare agents at Silver Crest Insurance are here to help.

Medicare Part D in Eastern Pennsylvania’s Lehigh Valley and Pocono Regions, as Well as in Central New Jersey.

Medicare Part D can be a complicated topic. Our experts can help you to determine which Medicare plan is the best fit for you.

Medicare Part D is the Medicare Prescription Drug Plan that provides prescription drug coverage. To enroll in Medicare Part D, the beneficiary must be entitled to Medicare Part A and/or be enrolled in Medicare Part B and must live in the Medicare plan’s service area. If the individual is enrolled in Original Medicare only or in Original Medicare and a Medigap plan, the beneficiary can enroll in a stand-alone prescription drug plan. If the individual wants a Medicare Advantage plan and prescription drugs, he/she must enroll in a Medicare Advantage plan with drug coverage.

Medicare Part D plans typically charge a premium and vary by plans. Beneficiaries with a higher income must pay a premium adjustment based on their income. This is known as the Income-Related Monthly Adjustment Amount (IRMAA), and it is paid directly to the federal government.

If the beneficiary does not sign up for Part D when he/she is first eligible or if he/she drops Part D and then gets it later, the individual may have to pay a late enrollment penalty for as long as he/she has Part D. The cost of the late enrollment penalty depends on how long the individual went without creditable prescription drug coverage.

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