Part D Prescription Drug Plans

Medicare Supplement Insurance Plans

A Part D prescription Drug plan is a stand alone policy that is offered along with your Medicare Supplement Plan. Medicare Supplements do not have prescription drug benefits unlike Medicare Advantage Plans. Like Medicare Advantage plans, Part D Rx plans are offered when you turn 65 or otherwise become eligible for Medicare, during Open Enrollment (Annual Enrollment Period or AEP) October 15th - December 7th and other SEP's or Special Election Periods. It is important to understand that if you do not take part in a qualified prescription drug plan when you become eligible, you will incur a monthly penalty  in addition to your premium if you choose to participate at a later date. You can go to to explore your Part D options.

Medicare Advantage Plans

The Centers for Medicare and Medicaid Services (CMS) requires agents to have you sign a document called the Scope of Sales Appointment Confirmation Form 48 hours prior to a one on one or phone  meeting with the agent so that you understand what is being  discussed between you and the agent. This is designed for marketing Medicare Advantage plans and Part D Prescription Drug plans and it is for your protection.

If you are new to Medicare Debbie can guide you step by step with what original Medicare doesn't cover, like deductibles, copayments, and coinsurance. Debbie will also review the benefits and features with you of "Medigap policies" or Medicare Supplements and will offer you a quality program. As an independent agent, Debbie can offer quotes from multiple, highly rated insurance companies that best meets your needs and budget.  Feel free to give her a call today and set up a one on one confidential appointment.

"Neither Healthkey Insurance Services nor Debbie Sharpe is connected with the Federal Medicare Program."

"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 or your State Health Insurance Program (SHIP) to get information on all of your options." 




Medicare Advantage Plans are offered by private insurance companies and cover the same services as original Medicare and sometimes include Prescription Drug coverage. Many of these programs are network based. You can enroll during  your initial enrollment period when you turn 65, become eligible for Medicare or when you retire and leave an employer plan. Outside of initital enrollment or a Special election period that may qualify you to enroll, you may enroll during Open Enrollment (Annual Enrollment Period or AEP) October 15th - December 7th.  You do have the opportunity to enroll in, switch, or disenroll in your Medicare advantage plan coverage during this enrollment annually. Open Enrollment period (OEP) January 1st - March 31st you are able to switch from one Medicare Advantage plan to another or disenroll from your Medicare Advantage plan. 

What is a Scope of Appointment?