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Monday 8am - 4:30pm Tuesday 8am - 4:30pm Wednesday 8am - 4:30pm Thursday 8am - 4:30pm Friday 8am - 4:30pm

Archi-Agency

Independent Insurance Consultants

02/01/2024

New to Medicare? Medicare Advantage plans from Devoted Health in Greater Alabama could give you BIG savings and lots of extras for $0 per month. That’s right, $0.

08/21/2023

Medicare beneficiaries with income over a set amount are required to pay a monthly fee in addition to their Medicare Part B and Part D premiums. These income-related monthly adjustment amounts, or IRMAAs, affect roughly 7% of Medicare Part B beneficiaries and 8% of Medicare Part D beneficiaries, according to the Centers for Medicare and Medicaid Services (CMS). Those earning a higher income are subject to a higher IRMAA[1].
Read on to learn more about the 2023 Medicare income-related monthly adjustment amount (IRMAA), including what it is, who it applies to and its various rates for both Medicare Part B and Medicare Part D beneficiaries.

What Is IRMAA?

The monthly premium a person pays for their Medicare coverage is based on their annual income. For higher-income beneficiaries, a surcharge known as the income-related monthly adjustment amount, or IRMAA, is added on top of the standard premium for Medicare Part B ($164.90 for 2023) and Medicare Part D (prescription drug coverage) premium, which varies by plan.
“The income-based surcharge is determined each year by the Social Security Administration,” says Jeff Collins, a Medicare expert and vice president of government programs at MVP Health Care, a health insurance provider with locations in New York and Vermont.
The Social Security Administration also sets the income thresholds used to determine who’s subject to IRMAA. The IRMAA doesn’t apply to beneficiaries with an income under the established threshold, adds Collins.
How Is the Medicare IRMAA Calculated for 2023

The annual Medicare IRMAA is determined using a person’s modified adjusted gross income (MAGI) from two years prior. MAGI is calculated based on the following information:
• A person’s adjusted gross income (AGI) on their federal tax return, which is calculated by subtracting allowed adjustments, such as conventional IRA contributions, from gross income
• Excluded foreign income
• Nontaxable Social Security benefits, such as tier 1 railroad retirement benefits
• Tax-exempt interest

08/08/2023

Welcome to Archi-Agency. We are an independent Insurance brokerage agency focusing on Medicare enrollments for the Huntsville/Madison/Decatur areas and more. Our office is located in North Huntsville on Wi******er Road. We can be reached at (256) 448-8705

We have compiled a list of the benefits of a Medicare Advantage Plans.

"Discover the Extra Benefits! Medicare Advantage Plans offer more than just basic coverage – enjoy dental, vision, and hearing benefits to keep you healthy and happy!"

"One Plan, All Covered: With a Medicare Advantage Plan, you get comprehensive medical and prescription drug coverage in a single package. Say goodbye to juggling multiple plans!"

"Save Big on Premiums: Get the care you need without breaking the bank. Some Medicare Advantage Plans have $0 premiums, providing affordable healthcare for all."

"Doctor Network You Can Trust: Access a vast network of top-notch doctors and specialists. Medicare Advantage Plans ensure you'll receive the best care possible."

"Protect Your Savings: Rest easy with an out-of-pocket maximum. With a Medicare Advantage Plan, your healthcare costs are capped, preventing unexpected expenses."

"Stay Connected with Telehealth: Access virtual doctor visits from the comfort of home. Medicare Advantage Plans offer convenient telehealth services for your needs."

"Stay Healthy with Preventive Care: Enjoy a range of preventive services at no additional cost. Plans prioritize your well-being and proactively manage your health."

"We've Got You Covered – Worldwide: Travel with confidence knowing you have emergency coverage abroad. Medicare Advantage Plans provide global peace of mind."

"Specialized Care for Your Needs: If you have specific healthcare requirements, we have plans designed just for you. Explore our Special Needs Medicare Advantage Plans today."

"Prescription Savings Made Easy: Get access to a wide range of medications at affordable prices. Medicare Advantage Plans include comprehensive Part D coverage."

"Support for Caregivers: We care about your support system too. Medicare Advantage Plans offer resources and assistance for family caregivers."

"Switch with Ease: Change is simple during the enrollment period. Discover the benefits of a Medicare Advantage Plan tailored to your unique healthcare needs."

05/26/2023

Archi-Agency wants to thank all of our service men and women this Memorial Day Weekend!

05/25/2023

Archi-Agency is an Independent Broker agency specializing in Medicare and Senior Insurance products. Please read the following why Independent Brokers are a valuable to you the insured....

Using an independent Medicare broker is of paramount importance when navigating the complex landscape of healthcare coverage for seniors. These brokers act as knowledgeable and unbiased advisors, helping individuals make informed decisions about their Medicare options. Unlike insurance agents who represent specific companies, independent brokers work with multiple insurers, providing a wide range of choices tailored to each person's unique needs. This impartiality ensures that individuals receive personalized guidance, access to a variety of plans, and unbiased advice.

One key advantage of utilizing an independent Medicare broker is their in-depth knowledge of the intricacies of Medicare. They stay up-to-date with the latest changes in policies, regulations, and plan offerings. This expertise is invaluable when it comes to understanding the various Medicare parts (A, B, C, and D), coverage options, deductibles, copayments, and networks. Brokers can provide clarity on the nuances and help individuals make sense of the complex terminology, ensuring they select the most suitable plan for their healthcare needs and budget.

Furthermore, independent Medicare brokers advocate for their clients' best interests. They take the time to assess individuals' specific healthcare requirements, budget constraints, and prescription drug needs. By considering these factors, brokers can compare plans from multiple insurance companies and present individuals with options that provide optimal coverage at affordable rates. Their impartiality means they are not driven by commissions or sales targets, allowing them to prioritize clients' well-being and provide objective advice that aligns with their unique circumstances.

In conclusion, the importance of using an independent Medicare broker cannot be overstated. These professionals bring extensive knowledge, impartiality, and personalized guidance to the table, ensuring individuals make informed decisions about their Medicare coverage. Their expertise in navigating the complexities of Medicare, coupled with their ability to provide an array of options from multiple insurers, makes them invaluable allies for seniors seeking reliable and affordable healthcare coverage.

Address

1060 Wi******er Road Northeast
Huntsville, AL
35811

Opening Hours

Monday	8am - 4:30pm
Tuesday	8am - 4:30pm
Wednesday	8am - 4:30pm
Thursday	8am - 4:30pm
Friday	8am - 4:30pm

Telephone

+12569372536

Website

http://www.archi-agency.com/

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