The real fear
It is usually not the plan. It is becoming the permanent middleman for every letter, every phone tree, and every pharmacy problem for the next ten years.
Helping a parent
You want someone your mom can reach without you.
Haven Health is run by pharmacists, and she gets the same named person every time she calls. Not a queue, not whoever is available, and not you at nine at night trying to decode a letter from an insurer.
Ask your local pharmacist about usWe do not pick plans around pharmaciesYour doctors checked by nameAsk what a plan pays us
Started by pharmacists Covered is not the same as affordable. A pharmacist knows the difference.
Why this helps
A pharmacist can read her list faster than you can assemble it.
Bring the bottles, or a printout from her pharmacy. We will sort out doses, duplicates, and the two medications that are the same drug under different names.
Then we do the rest of it — her doctors looked up by name in each plan's network, Advantage and Supplement compared honestly against each other, and the dental, vision and hearing coverage confirmed rather than assumed.
Rather just ask someone
You do not have to work this out on your own.
Bring the card, the letter, or just the question. We will read it with you, and there is no charge for the conversation.
Family can join
Appointments can include adult children, spouses, caregivers, or anyone helping with the decision. Everyone hears the same explanation at the same time, which cuts down on the repeating later.
What families usually ask
- Will her doctor still be covered?
- Will all of her prescriptions still be affordable?
- How do you get paid?
- Who does she call in March when something goes wrong?
What people say
What people said afterwards.
I have referred many patients from the clinic where I work who either lack insurance coverage or do not have adequate benefits, and Juan Carpenter has consistently made a meaningful difference in their lives.
We appreciate Juan's expertise and pleasant manner while exploring all the details of Medicare coverage.
Juan was very informative and extremely helpful.
Juan is great to work with. Very knowledgeable, works with you to find the best possible plan! Highly recommend!
Why Haven
What a pharmacist notices that a call center does not.
Whether something is covered is the easy question. What a plan does with it after that — the tier, the network, the rule attached to it — is where the year gets expensive, and that detail is a pharmacist's daily work.
Ask the pharmacist you already see.
Haven was started by the pharmacists at Good Day Pharmacy. So you can check us out before you ever pick up the phone. Not many people in this business can say that.
We do not pick plans around pharmacies.
It is fair to wonder. We do not. If the best plan for your medications means filling somewhere else, we will tell you so. The only time a pharmacy comes into it is if you ask us to keep yours.
Covered is not the same as affordable.
A plan can list your medication and still cost you much more than the plan next to it. It comes down to tiers, limits, and prior authorizations. That is a pharmacist's daily work, and it is where most of the money hides.
We have been on the other end of these plans.
Pharmacists are the ones who tell you what your prescription costs today. We did that for years. Then we got licensed, so the hard conversation could happen in October instead of January.
We check your providers, not just the network in general.
Not a vague promise that most plans cover most doctors. We look up your specific physicians and specialists in front of you, before any plan gets named.
Northern Colorado is home.
Greeley, Fort Collins, Loveland, Windsor and the towns around them are where we live. We also reach Grand Junction, Palisade and Colorado Springs, and we are licensed in 25 states, so a move or a parent out of state is no trouble.
What the pharmacy relationships are actually for.
Not a referral pipeline and not a pharmacy preference. A better introduction. When a pharmacist calls and says your name and how long they have known you, the conversation starts with a person who has a history instead of a lead off a list. That is most of what the pharmacy side is worth to you.
You will hear from us in February too.
Letters arrive. Drugs move tiers. A prior authorization gets denied. When that happens you call the same person who set your plan up, and we help you read it. That is the part most people never get.
Ask us anything
The questions people hesitate to ask out loud.
You were started by Good Day Pharmacy. Do you push plans that keep me filling there?
No. It is a fair thing to wonder about, so here is the plain answer: the plan has to fit your medications, your doctors and your budget. If the best one means filling somewhere else, we will tell you.
The only time a pharmacy comes into it is if you ask us to keep yours.
Does it cost anything to meet with you?
No. We are paid by the insurer if you enroll, and your premium is the same either way. Plenty of the plans we look at are already the right one, and we say so.
How do you get paid, and how much?
Insurers pay a commission when someone enrolls. Ask what any plan pays us and we will tell you the number.
Why would pharmacists start a Medicare agency?
Because we watched it break every January. Someone would hand us a new card and a medication they had taken for years came back at four times the price. We could see it coming. We just could not do anything about it, so we got licensed.
What do you need from me before the appointment?
Your medications with the doses, your doctors, and your current plan if you have one. A printout from your pharmacy is ideal. A photo of the bottles works fine too.
Will I be able to keep my doctor?
That depends on the plan, and it is exactly what we check. Bring your list of doctors and we will look each one up before recommending anything.
Will my prescriptions still be covered?
Bring the list and we will tell you plan by plan. What matters is not just whether a drug is covered, but which tier it sits on and whether it needs a prior authorization. That is where the cost hides.
I already have an agent.
Then keep them. Bring us their comparison and we will price your medications against it. If they got it right, we will say so. That happens a lot.
I do not want to change pharmacies.
That is one of the things we check. Some plans quietly cost you more at the pharmacy you already like, and it is rarely on the front page of the plan material.
Can I bring my spouse or my kids?
Please do. It goes better when everyone hears the same explanation at the same time.
I am still working at 65. Do I need to do anything?
Probably something, and it depends on the size of your employer. With 20 or more employees you can usually wait on Part B. With fewer, your group plan may not pay properly without it. Worth one phone call before you decide.
What happens after I enroll?
You keep our number. Letters arrive that explain nothing, and drugs move tiers mid-year. When that happens, you call the same person who set your plan up.
Are you part of Medicare or the government?
No. We are a private, independent agency, not affiliated with or endorsed by Medicare or any government agency. We represent plans from several private insurers, and we do not offer every plan in your area.
Keep reading
From the article library.
Written for whoever is keeping the list. Nothing here is urgent today.
From the Pharmacy Counter
How to Build the Medication List We Actually Want to See
The seven things to write down per medication, the four categories people always leave off, and how to build a working list in twenty minutes at your kitchen table.
Read the article
Medications and Costs
What Your Plan Can and Cannot Change About Your Drug List Mid-Year
If you were already taking the drug, you may be exempt for the rest of the year. The maintenance versus non-maintenance distinction, the sixty-day blackout window, the transition fill, and the exception process with its real deadlines.
Read the article
Northern Colorado Life
What Is Actually Inside the Senior Centers in Northern Colorado
Program lists, days, times and phone numbers for the activity centers in Loveland, Fort Collins, Greeley, Evans, Eaton, Windsor, Johnstown, Milliken and Wellington, plus the free county wellness classes almost nobody uses.
Read the articleNorthern Colorado Medicare help
We check the whole plan, not just the drug list.
One appointment. Advantage, Supplement and Part D side by side, your medications priced for the full year, your doctors checked against each plan's network, and the extra benefits confirmed rather than assumed. No pitch waiting at the end of it.
Ask us what a plan pays us and we will tell you the number. Haven is paid by the insurer if you enroll, and your premium is the same whether you use a broker or enroll directly.