Medicare
Our experts are here to guide you in choosing the best plan by exploring your options and comparing the leading Medicare Insurance providers and their benefits tailored to your needs.
What is Medicare?
Medicare is a federal health insurance program created for individuals age 65 and older, as well as certain younger people with medical conditions or disabilities. This program is divided into various parts, and it’s important to learn how these fit together.
MEDICARE PART A
Part A is essential for hospital coverage, helping manage costs for inpatient care, skilled nursing, hospice, and home health services. It includes a semi-private room during hospital stays. Remember, outpatient surgeries fall under Part B.
Most people turning 65 qualify for Part A without a monthly premium due to their past contributions. If you don’t qualify for premium-free coverage, you can still purchase it for a fee. It's a valuable opportunity to protect your health!
MEDICARE PART B
Part B provides essential outpatient medical coverage that enhances your healthcare experience. It includes vital services like lab tests, preventive screenings, ambulance rides, and outpatient surgeries.
The annual premium is set by Social Security and varies based on income, so higher earners may pay more. Your modified adjusted gross income reported to the IRS will determine your specific premium. Enrolling in Part B is a smart step to safeguard your health and well-being!
MEDICARE PART C
PART C, or the MEDICARE ADVANTAGE PROGRAM, offers private insurance options that cater to your needs. Costs vary by carrier, location, and plan.
To enroll, you must have Medicare Parts A and B. Even with a low-premium Advantage plan, you'll still pay the Part B premium. Make sure you live in the plan's service area and enroll during the election period for a smooth process.
Once enrolled, your benefits will come from the Advantage plan, not the government. Remember, Part C enrollment is voluntary; some may prefer Original Medicare with a Medigap plan. Choose what suits you best!
MEDICARE PART D
Celebrate a milestone in healthcare! Medicare Part D, introduced in 2006, provides vital prescription drug coverage for those aged 65 and older, filling a gap that had persisted for over 50 years. Millions have signed up to access necessary medications.
You can select retail drugs from local pharmacies or choose mail order. Most states offer about 30 different plans. To find the best option for you, consider having your agent use Medicare's prescription drug finder tool. Take advantage of this opportunity for better health and happiness!
We're here to help you choose the right plan! It's important to understand the difference between Medicare Supplements and Medicare Advantage Plans, as many mistakenly enroll in Advantage Plans thinking they are Supplements. Let's clarify these options to help you make informed decisions!
MEDICARE ADVANTAGE
A Medicare Advantage Plan is a great health plan option offered by private companies that collaborate with Medicare to provide your essential Part A and Part B benefits. These plans include various types like Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs)POs). With a Medicare Advantage Plan, your Medicare services are covered through this plan instead of Original Medicare, and many also offer prescription drug coverage to support your health needs!
MEDICARE SUPPLEMENT
Medicare supplement (Medigap) insurance helps cover the gaps left by Original Medicare, including costs like copayments, coinsurance, and deductibles. Many Medigap policies also cover services not included in Original Medicare, such as medical care while traveling abroad.
With both Original Medicare and a Medigap policy, Medicare pays its portion of the approved costs first, followed by your Medigap insurance. This combination offers peace of mind and simplifies your healthcare experience!
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This is a solicitation of insurance. Agent is a licensed and certified representative of multiple Medicare Advantage and Prescription Drug plans each with a Medicare contract. Enrollment depends on contract renewal. Contact may be made by an insurance agent or insurance company. Not affiliated with or endorsed by any government entity or agency. "We do not offer every plan available in your area. Currently we represent several organizations which offer many products in your area. Please contact Medicare.gov, 1-800-MEDICARE MEDICARE (TTY: 1-877-486-2048), 24 hours a day, 7 days a week, or your local State Health Insurance Program (SHIP) to get information on all your options." This is a proprietary website and is not associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov