MK4 Health Insurance Services

Many Medicare Advantage plans offer additional benefits that Original Medicare does not, such as dental, vision, hearing, fitness programs, transportation, or over-the-counter allowances. Make sure the benefits are useful for your personal needs.

Health Insurance 101: Prescription drugs can completely change the math. Some plans have low deductibles but weak drug coverage tiers, while others build drug costs into separate deductibles or copay structures. If you take regular medications, always run a “total annual cost” estimate including premiums + meds + expected visits.

One of the most important concepts is understanding what a deductible actually is versus what you pay even after it. Your deductible is the amount you pay out-of-pocket before most insurance coverage kicks in. But many people miss that even after meeting the deductible, you may still have copays, coinsurance, and out-of-pocket maximums. The deductible is just one piece of the total cost structure—not the finish line.