The plans are usually all-inclusive, combining Parts A (hospital insurance), Part B (medical insurance), and Part D (drug insurance). In addition, other benefits are usually part of the plan, including vision, dental, hearing, and over-the-counter benefits to people who have Medicare. The plans must follow the rules of the Centers for Medicare and Medicaid.

The plans have lower co-pays than Original Medicare and most importantly specify your maximum out-of-pocket cost for the year, while Original Medicare does not limit your financial damages due to medical costs. While with Original Medicare, you are responsible for 20% of the amount that Medicare says is a reasonable fee, no matter how high your costs are in any given year. This is a significant financial risk.

Medicare Advantage plans provide significant preventive opportunities for maintaining your health without any out-of-pocket costs for many routine preventive tests.

We step you through the entire process, learning your specific needs. We provide essential learning about Medicare, including how it operates, your rights and responsibilities, types of Medicare plans available, as well as help finding a plan that includes your physicians and an appropriate drug plan. We also assist with meeting deadlines because being late can add additional fees or prevent you from obtaining the desired coverage. And we continue to support you even after signing up with your chosen plan.

Plans can be found in HMO, PPO, POS, Medicare-Medicaid, and Veteran plan categories to suit specific needs. Each type has specifics regarding the use of their networks. Referrals have become more limited.

Once chosen, a plan is meant to cover you for the year or more, with changes being made during the Annual Enrollment Period (AEP) if desired. AEP is always 10/15-12/07 with changes implementing on the following January 1.

The Barfield Alliance represents the following top notch Medicare Advantage plans in Middle Tennessee: Blue Cross Blue Shield of Tennessee, Humana, United Health Care, Devoted, and Cigna.

Look to us to receive help with the entire process. Learning the ins and outs of Medicare by yourself can lead to potential problems such as missing important deadlines or signing up for a plan that does not include your doctors or medications. We understand just how confusing and difficult it can be without someone by your side guiding you through the entire process. We have developed a simple guided process providing you with the knowledge you need upfront to make the right decisions, both financially and medically.

We step you through the entire process, learning your specific needs. We provide essential learning about Medicare, including how it operates, your rights and responsibilities, types of Medicare plans available, as well as help finding a plan that includes your physicians and an appropriate drug plan. We also assist with meeting deadlines because being late can add additional fees or prevent you from obtaining the desired coverage. And we continue to support you even after signing up with your chosen plan.

As an independent Medicare broker, we are not tied down to representing only one company and their plans.

We are contracted with multiple top insurance carriers in your area which makes it easier for us to find you the perfect fit.

We compare prices and plans with your specific needs in mind and walk you through each step.

We offer exceptional and all-inclusive service including on-going support once you are a client.