Medicare

Starting 3 months before you become eligible for your Medicare benefits, you will have a variety of Medicare plans that you can choose from. Often, people are confused by all the options and need guidance to determine which health care plan is most suited for their needs now and in the future. Our service is at no-cost to you. Contact us and let us help!

What is Medicare?

Medicare is health insurance for:

  • People 65 or older
  • People under 65 with certain disabilities
  • People of any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant

What are the different parts of Medicare?

- Medicare Part A (Hospital Insurance) helps cover:

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care

- Medicare Part B (Medical Insurance) helps cover:

  • Services from doctors and other health care providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Some preventive services

- Medicare Part C (Medicare Advantage):

  • Includes all benefits and services covered under Part A and Part B
  • Run by Medicare-approved private insurance companies
  • Usually includes Medicare prescription drug coverage (Part D) as part of the plan
  • May include extra benefits and services for an extra cost

- Medicare Part D (Medicare prescription drug coverage):

  • Helps cover the cost of prescription drugs
  • Run by Medicare-approved private insurance companies
  • May help lower your prescription drug costs and help protect against higher costs in the future

- Medigap Policy (Medicare supplement plan):

  • Helps pay some or all of the health care costs (“gaps”) that Original Medicare doesn’t cover (like deductibles, copayments, and coinsurance)
  • Run by Medicare-approved private insurance companies
  • You can see doctors and hospitals what accept Medicare
  • Do not restrict you to a network of providers and facilities

- Medicare Cost Plans

  • Includes all benefits and services covered under Part A and Part B
  • Run by Medicare-approved private insurance companies
  • You have access to a network of doctors, plus the ability to see doctor outside of the network for Medicare-covered services using your Original Medicare
  • Usually includes Medicare prescription drug coverage (Part D) as part of the plan, or may have a standalone Part D prescription drug plan

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