Elite Medicare Specialists is not connected to or endorsed by any government agency or the Federal Medicare Program. Elite Medicare Specialists provides information on Medicare-approved HMO plans, PPO plans, PFFS plans, POS plans, prescription drug plans offered by Medicare-approved Part D sponsors, and information on certain Medicare supplemental plans. Elite Medicare Specialists represent multiple plans in most Virginia markets. The benefit information provided is a brief summary, not a complete description of benefits. For more information, contact the plan.  Limitations, copayments, and restrictions may apply. Benefits, formulary, pharmacy network, provider network, premium and/or co-payments/co-insurance may change on January 1 of each year. For plan specific information and disclaimers please contact the plan directly. Outside the Annual Election Period, beneficiaries may only enroll in a plan if they meet certain criteria.  If enrolled in a plan, you must continue to pay your Part B premium.   Plans are not available in all areas.  By contacting Elite Medicare Specialists, you will be transferred to an independently licensed insurance agent.