Greg and April Sanders help you navigate Medicare with over 21 years of independent expertise.
Medicare can feel complex, but at Peachtree Insurance Advisors, we simplify it for you. As independent brokers, Greg and April Sanders compare plans from top carriers to find the right coverage for your health and budget. Whether you’re turning 65 or exploring new options, we’re here to guide you through every step.
Medicare includes several parts: Original Medicare (Parts A & B), Medicare Advantage (Part C), Prescription Drug Plans (Part D), and Medigap. Let us help you understand your options.
One of the most important aspects to navigating the Medicare maze, is understanding the key differences between Medicare Supplement (Medigap) plans and Medicare Advantage plans.
We explain the pros and cons of each type of plan. Less than 10% of all Medicare agents offer both Medigap and Medicare Advantage plans. We offer both and, after learning about your health and unique situation, we help you make an informed decision as to which plan makes the most sense for you.
When we prepare quotes, we show you all the carriers available in your area (not just 3 or 4), then we explain why certain carriers and plans are better than others. We discuss all the important factors, such as carriers’ financial ratings, length of time in the market, history of rate increases and reputation for taking care of their policyholders over the long term.
Covers hospital stays (Part A) and medical services (Part B). Ideal for those wanting flexibility with providers, but may need Medigap for additional coverage since there are gaps, deductibles and coinsurance with just A and B.
An all-in-one alternative to Original Medicare, often including additional benefits not covered under Original Medicare.
Fills gaps in Original Medicare, like copays and deductibles, for predictable costs. There are 10 standard plans, with the most popular plans being Plan G and Plan N.
Adds coverage for medications, with an out-of-pocket maximum that increases slightly each calendar year. We help you find the most cost-effective plans that cover your prescriptions
Part D is needed in addition to a Medigap plan. It is typically included in most Medicare advantage plans.
Enrollment: Enroll during your Initial Enrollment Period (3 months before and after your 65th birthday), General Enrollment (Jan 1–Mar 31), or Special Enrollment Periods for qualifying events. We guide you through the process to avoid penalties.
Costs: Medigap plans are standardized, but vary in premiums. Medicare Advantage plans are mostly affordable plans for beneficiaries, but they can vary in costs, network size…
Part D plans have a standardized out-of-pocket cap that increases slightly each year, but the premiums vary widely based on the pharmacy benefits, drug formularies, and other important criteria.
Not sure if your medications or doctor are covered? Get in touch and we will help answer all your questions.
With over 21 years of experience, Greg and April Sanders offer personalized, independent advice. We shop multiple carriers, explain your options in plain language, and provide ongoing support to ensure your Medicare plan works for you.