Federally Based Supplemental Plan G and HDG No Networks Mostly No Pre-Authorizations No Referrals Plan G-HD – High Deductible Amount $2,950.00 (2026)
The Most Comprehensive Plan Offered Today IEP/SEP Enrollment – No Medical Underwriting Carrier Switch – Medical Underwriting
Not Applicable
Not Applicable
Not Applicable
Federally Based Supplemental Plan N and N-HD No Networks Mostly No Pre-Authorizations No Referrals Plan N-HD – High Deductible Amount $2,950.00 (2026) $20.00 Co-Pay/Doctor Visit $50.00 Co-Pay ED/ER-No Admit Possible Excess Fees
The Second Most Comprehensive Plan Offered Today IEP/SEP Enrollment – No Medical Underwriting Carrier Switch – Medical Underwriting
Not Applicable
Not Applicable
Not Applicable
Federally Based Supplemental Plan D No Networks Mostly No Pre-Authorizations No Referrals $20.00 Co-Pay/Doctor Visit $50.00 Co-Pay ED-No Admit Possible Excess Fees
Not Applicable
The Only Comprehensive Plan Offered Today Until Reaching the Age of 65
Not Applicable
Not Applicable
Carrier Provided Part D Drug Plans Varification of Drug Coverage and Drug Pricing is required for each drug/plan each year during the Annual Enrollment Period (AEP) 10/15-12/07 Each Plan is Different with Different Requirements for Some Drugs ie Prior Authorizations, Step Therapy, and Quantity Restrictions
Requied Coverge with a Supplemental Plan
Requied Coverge with a Supplemental Plan
Not Applicable
Not Applicable
Carrier Provided Advantage Plans Type 1 – Medicare Advantage (MA) with Part D Drug Plan Type 2 – Medicare Advantage Plan with Drug Plan included (MAPD) No Cost – Low Cost Plan Premiums CMS Customer Centric Star Rating System Most Plans Have State/County Related Doctor/Hospital Networks Most Plans Have Co-Pays and Co-Insurance Most Plans Have a Maximum Out of Pocket (The Most You Will Spend in a Year) Varification of Drug Coverage, Drug Pricing Doctor Network is required for each plan each year during the Annual Enrollment Period (AEP) 10/15-12/07
Not Applicable
Carrier Provided Advantage Plans Dual Special Needs (MAPD D-SNP) for People on Both Medicare and Medicaid Carrier Provided Advantage Plans Chronic Special Needs (MAPD C-SNP)for People with Cardiovascular and Diabetes – Covering diabetes mellitus, chronic heart failure (CHF), and severe cardiovascular disorders, Chronic Lung Disorder – COPD, Chronic Bronchitis, Emphysema, and Severe Asthma Kidney Care – Tailored explicitly for patients experiencing End-Stage Renal Disease (ESRD) who require ongoing dialysis CMS Customer Centric Star Rating System Most Plans Have State/County Related Doctor/Hospital Networks Pre-Authorizations and Referrals Required
Not Applicable
Not Applicable
Carrier Provided Riders Cancer/Critical Illness Heart Attack and Stroke Hospital Indemnity Cancer/Critical Illness is Insurance that pays you a lump sum if you are Diagnossed with Cancer except basil cell carcinoma Heart Attack and Stroke is Insurance that pays you a lump sum if you have a Heart Attack or Stroke Hospital Indemnity is Insurance that pays you based on how long you are in the Hospital
Ryders Compliment Advantage Plans because they offer monies towards your Maximum Our of Pocket or in the event you want to prepare for all expenses as an average 62% of money spent is non-medical with Cancer and Heart related issues
Ryders Compliment Advantage Plans because they offer monies towards your Maximum Our of Pocket or in the event you want to prepare for all expenses as an average 62% of money spent is non-medical with Cancer and Heart related issues
Ryders Compliment Advantage Plans because they offer monies towards your Maximum Our of Pocket or in the event you want to prepare for all expenses as an average 62% of money spent is non-medical with Cancer and Heart related issues
Not Applicable
Carrier Provided Ancillaries Dental, Vision and Hearing
Carrier Provided Life Insurance Term Insurance Mortgage Insurance Whole Life Insurance Whole Life Insurance w/Child Rider Final Expense Insurance Children’s Whole Life Insurance
Term Insurance
Mortgage Insurance
Whole Life Insurance
Final Expense Insurance
Term Insurance
Mortgage Insurance
Whole Life Insurance
Final Expense Insurance
Term Insurance
Mortgage Insurance
Whole Life Insurance
Whole Life Insurance w/Child Rider
Final Expense Insurance
Whole Life Insurance w/Child Rider Children’s Whole Life Insurance
Federally Based Supplementals Plan G, N, HDG, HDN with Part D Drug Coverage – No Networks, Mostly No Pre-Authorizations, No Referrals
Plan G – Monthly Premium, Part B Deductible – Coverage 100% of everything medically necessary. Plan N – Monthly Premium, Part B Deductible – Coverage 100% of everything medically necessary. Co-Pays Apply. Plans HDG and HDN – are the same as above but with a high deductible added on.
Not Applicable
Not Applicable
Not Applicable
Carrier Provided Advantage Plans; Medicare Advantage with Part D Drug Plan (MA); Medicare Advantage Plan with Drug Plan included (MAPD); Dual Special Needs; Chronic Special Needs – Normally with Networks, Pre-Authorizations, Referrals – depending on the plan as they are developed by the Carrier
No Cost – Low Cost Carrier provided plan. Normally having a star rating system as developed by the CMS. In addition to co-pays and co-insurance you will be given some ancillaries like Dental nd Vision and possibly Hearing.
Not Applicable
Not Applicable
Not Applicable
Riders: Cancer/Critical Illness; Hospital Indemnity – Both of these plans compliment the Medicare Advantage plans because they do not cover the 20% on Caner treatment such as Chemo and Radiation. In Additon Hospital Indemnity will help cover the Daily Hospital Charge on an Advantage Plan.
Cancer/Critical Illness is an extra policy covering 18 Years of age to 89 – what does it do? Upon any Cancer diagnosis excluding basil cell carcinoma, you get a pay out of what you decide $10,000-$100,000 Hospital Indemnity is a bit different – you buy what you want covered regarding days in hospital.
Cancer/Critical Illness is an extra policy covering 18 Years of age to 89 – what does it do? Upon any Cancer diagnosis excluding basil cell carcinoma, you get a pay out of what you decide $10,000-$100,000 Hospital Indemnity is a bit different – you buy what you want covered regarding days in hospital.
Cancer/Critical Illness is an extra policy covering 18 Years of age to 89 – what does it do? Upon any Cancer diagnosis excluding basil cell carcinoma, you get a pay out of what you decide $10,000-$100,000 Hospital Indemnity is a bit different – you buy what you want covered regarding days in hospital.
Not Applicable
Ancillaries: Dental, Vision and Hearing
Ancillaries: Dental, Vision and Hearing
Ancillaries: Dental, Vision and Hearing
Ancillaries: Dental, Vision and Hearing
Ancillaries: Dental, Vision and Hearing
Life Insurance: Term, Mortgage, Whole Life, Final Expense, Children’s
Life Insurance: Term, Mortgage, Whole Life, Final Expense, Children’s
Life Insurance: Term, Mortgage, Whole Life, Final Expense, Children’s
Life Insurance: Term, Mortgage, Whole Life, Final Expense, Children’s
Life Insurance: Whole Life, Children’s