🩺Medicare Made Simple

​🔄What's Changing In Medicare 2025​

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• Insulin Cost Caps: The $35 cap on a month's supply of covered insulin products will continue. 

• $2,000 Out-of-Pocket Cap: Medicare will cap individual out-of-pocket spending on covered Part D drugs at $2,000 per year. 

• Prescription Payment Plan: A new, voluntary program allows beneficiaries to spread their prescription drug costs across the year, rather than paying them all at once. 

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✅ What We Help With

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✔ Medicare Advantage (Part C)

All-in-one plans that combine hospital (Part A), medical (Part B), and often prescription drug coverage (Part D).

• May include dental, vision, hearing, and gym memberships

• Often has low or $0 monthly premiums

• Works with provider networks (HMO or PPO)

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✔ Medicare Supplement Plans (Medigap)

Helps cover the costs Original Medicare doesn’t, like deductibles, co-pays, and coinsurance.

• See any doctor who accepts Medicare

• No networks or referrals

• Monthly premium required

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✔ Prescription Drug Plans (Part D)

Standalone drug plans that work with Original Medicare or some Medigap policies.

• Coverage varies by formulary (we help you review your meds!)

• May include pharmacy savings or mail-order options

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✔ Dual Special Needs Plans (D-SNPs)

For people who qualify for both Medicare and Medicaid.

• Offers additional benefits like OTC cards, transportation, and care coordination

• Income and Medicaid eligibility required

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📋 Turning 65 or Already on Medicare?

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We’ll walk you through your Initial Enrollment Period (IEP), Annual Enrollment Period (AEP), and Special Enrollment Periods (SEPs) if you qualify for one.

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Not sure where you fall? Don’t worry—we’ll help you understand your timeline.

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📝 How to Enroll in Original Medicare (Parts A & B)

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If you're turning 65 or becoming eligible for Medicare, your first step is to sign up for Original Medicare through the Social Security Administration.

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You can apply:

• Online at ssa.gov/medicare

• By phone at 1-800-772-1213

• Or in person at your local Social Security office

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Once you're enrolled in Parts A & B, we’ll help you choose the right Medicare Advantage, Supplement, or Part D plan based on your doctors, prescriptions, and budget.

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💬 Not sure when or how to sign up? Contact us and we’ll walk you through it step by step.

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💬 Why Choose Couvillier Advisors for Medicare?

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• ✅ Local, Licensed, and Independent

       We’re based in Louisiana and work with multiple Medicare carriers to find the right plan for you.

• ✅ No-Cost, No-Pressure Guidance

       Our services are always free. You’ll never pay more for working with an advisor.

• ✅ Personalized Reviews

       We compare plans based on your medications, doctors, and health priorities.

• ✅ Year-Round Support

       We don’t disappear after enrollment. We’re here to help with renewals, appeals, and questions all year long.

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👩‍⚕️ Common Medicare Questions We Can Help Answer

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• “What’s the difference between Medicare Advantage and Medigap?”

• “How do I avoid late penalties?”

• “Do my prescriptions and doctors work with this plan?”

• “Can I change my plan later if I need to?”

• “Do I qualify for extra help or Medicaid?”

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📞 Let's Make Medicare Simple

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No call centers. No confusing websites. Just a real person helping you get the coverage you deserve.

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✅ Free Medicare consultations
✅ In-person, phone, or virtual appointments
✅ Serving clients statewide across Louisiana