AVW Insurance Agency LLC

A lot of people think if a medication is not covered, that is the end.
It is not.

Here is what to do:
- Call your plan and ask why
- Ask for covered alternatives in the same drug class
- Give that list to your doctor

If that does not work:
- Your doctor can request an exception
- They can appeal step therapy
- You can ask for a lower cost tier

Most people are never told this.

Medicare feels simple… until you realize how many rules and deadlines there are

Most people don’t find out until it costs them

I put together a free Medicare Starter Kit that walks through everything step by step

Get it here:

Free Medicare Starter Kit - Parts Guide + Checklist Get your free Medicare Starter Kit with Parts guide + enrollment checklist. Enroll in Medicare with confidence—clear answers, no confusion.

Medicare can be confusing if you don’t understand how it works ahead of time

This free starter kit breaks down the basics, timelines, and common mistakes so you know what to expect

Get your free Medicare Starter Kit here:

Free Medicare Starter Kit - Parts Guide + Checklist Get your free Medicare Starter Kit with Parts guide + enrollment checklist. Enroll in Medicare with confidence—clear answers, no confusion.