Medicare Prescription Drug Plan Information

The new Medicare prescription drug coverage began on January 1, 2006,
but you can enroll until the spring of 2006. Everyone with Medicare can
get this coverage that in most cases will lower your prescription drug
costs and help protect against higher costs in the future. Medicare
Prescription Drug Coverage is insurance. You choose the drug plan and
pay a monthly premium.

If you have limited income and resources, you
may get extra help to cover prescription drugs for
little or no cost. The amount of the monthly
premium is not affected by your health status or
how many prescriptions you need. You will also
pay a share of the cost of your prescriptions.

The decision to get Medicare prescription drug
coverage depends on how you pay for your drugs
now and how you get your Medicare coverage.

Original Medicare only, or Original Medicare
and a Medigap ('Supplement') Policy without
drug coverage. The new Medicare drug coverage
will cover half of the costs for you if you have this
kind of coverage now. Enhanced options are
available that provide more coverage.

Original Medicare and a Medigap
('Supplement') Policy with drug coverage. The
new Medicare drug coverage will generally provide
much more comprehensive coverage at a lower
cost.

**The information, pictures, and other content in this website about particular
insurance services is only provided for informational purposes. Any decisions
regarding your insurance needs should be discussed with a licensed insurance
agent.

Click on the link below to secure request more information about the new
Medicare Prescription Drug Coverage for Florida residents or speak with
our Personal Insurance Agent Specialist at (305) 267-0000 to discuss the
features and assist you with enrollment.

How Much Will the Plans Cost?

When you get Medicare prescription drug coverage, you pay part of the
costs, and Medicare pays part of the costs. You pay a premium each
month to join the drug plan (generally around $37 in 2006 for standard
coverage). If you have Medicare Part B, you also pay your monthly Part B
premium. If you belong to a Medicare Advantage Plan or a Medicare Cost
Plan, the monthly premium you pay to the plan may increase if you add
prescription drug coverage.

Your costs will vary depending on which plan you choose. Your plan must,
at a minimum, provide you with a standard level of coverage. Some plans
offer more coverage or lower premiums.

Answer a few questions and we will
provide you with a quote by email or
phone. Choose the Florida personal
or business insurance coverage
you're interested in from the menu
above.

Palomino Insurance Group Corp.

7515 S.W. 32nd Street

Miami, Florida 33155

Miami-Dade County, FL

(305) 267-0000

Fax (305) 267-0004

Retiree or Union coverage:

In most cases, people with good retiree or union coverage can
continue to get it, with new financial support from Medicare.

Medicare Advantage Plan (like an HMO or PPO) or other
Medicare Health Plan, which already include drug coverage and other
extra benefits.

Dual coverage from Medicare with Medicaid drug coverage.
These people will automatically get comprehensive prescription drug
coverage from Medicare, starting on January 1, 2006.