Medicare Supplements or MediGap
plans work with your original Medicare Part A & B. The plans A- L are the same with every carrier. The only difference between plans from one carrier to the next is the monthly premium and the quality of the carrier. All benefits are the same. They are regulated and standardized by the government. These plans have little to no out of pocket cost for provider for services. These plans generally DO NOT include drug plans. You must be enrolled in Medicare Part A & B to enroll in these plans. You may need to qualify medically to enroll depending on your Part B effective date, other circumstances may apply for medical eligibility.


Medicare Advantage(MA or MAPD) plans generally have co-pays for services and may or may not include a part D drug plan. There are three basic types of Medicare Advantage plans HMO, PPO and PFFS. These are the most affordable plans with many having a zero monthly premium. You must be enrolled in Medicare Part A & B, must reside in the plan service area , and DO not have ESRD (End Stage Renal Disease), to enroll in a Medicare Advantage plan. Specific enrollment periods will apply

Stand Alone drug plans ( PDP ) are for RX only. The PDP plans are the result of The Medicare Prescription Drug Improvement and Modernization Act of 2003. A federal law that brought the most dramatic changes to the Medicare program since it began in 1965. You may enroll in a PDP plan if you have Medicare Part A or B. Specific enrollment periods will apply.

Contact us Today!:

Pellegrini and Associates

Phoenix:            602-368-4422
West Valley:      623-581-2204
Toll Free:        1-866-731-6112
Fax:                    623-972-2205