Medicare Can Be Confusing
We specialize in working with all forms of Medicare coverage.
Whether you have questions about Medigap, Part C or D plans, our commitment to YOUR individual needs.
Whether you are deciding on your first Medicare plan or switching to a new one, we take the time to explain ALL of your option’s, so you feel comfortable and confident with whichever choice you make.
An independent Medicare plan broker will help you learn about ALL plan options. They do NOT charge – they can’t. You will benefit from their knowledge and experience
What is “Original” Medicare?
Medicare Part A
Hospital Insurance
Helps pay for–Care in hospital as an inpatient, critical access hospitals (small facilities that give limited outpatient & inpatient services to people in rural areas), skilled nursing facilities, hospice care and some health care.
Cost– Most people get Part A automatically when they turn age 65.They do not have to pay a monthly payment, called a premium, for Part A because they or a spouse paid Medicare taxes while they were working.
Medicare Part B
Hospital Insurance
Help pay for – Doctors, services, outpatient hospital care and some other medical services that Part A does not cover, such as services of physical and occupational therapists and some home healthcare. Part B helps pay for these covered services & supplies when they are medically necessary.
Cost – Medicare beneficiaries pay a monthly Part B premium. The premium is based on income and can change yearly.
Timing Matters More Than You Think
Procrastination does not pay. Medicare has some hard and fast rules regarding timing. There are NO exceptions.
Consider this – Every day 11,000 Americans turn 65.
There are NOT enough Medicare insurance agents available to help everyone waiting for the last minute. This is especially true during Medicare’s Annual (Open) Enrollment Period (AEP) October 15 – December 7 annually.
TIP: START YOUR PLANNING AT LEAST 60 DAYS IN ADVANCE OF THE FINAL DEADLINE and locking in an appointment on the calendar.
Earlier is even better.
Know Your Options
Medicare Supplements
Medigap
Private health insurance plans sold to supplement Medicare.
Medigap insurance provides coverage for many of the co-pays and some of the co-insurance related to Medicare-covered hospital, skilled nursing facility, home health care, ambulance, durable medical equipment and doctor charges.
Medigap’s name is derived from the notion that it exists to cover the difference or “gap” between the expenses reimbursed to providers by Medicare Parts A and B for the preceding named services and the total amount allowed to be charged for those services.
Medicare Part C
Part C – Medicare Advantage Plans
These are plans offered by private insurance companies as an alternate to original Medicare (Parts A&B); plans are government subsidized and regulated and quite often cover items not included in original Medicare (i.e. Glasses/Contacts, Hearing or Dental)
People with Medicare can get their coverage through EITHER original Medicare (Parts A & B) or the Medicare Advantage program (also known as Medicare Part C).
Depending on where a person lives, that person may be able to enroll in a Medicare Advantage Plan offering one or more of the following types of health care: HMO, PPO, PFFS.
Medicare Part D
Part D- Prescription Drug Coverage
Part D Plans are offered by private companies to provide coverage for prescription drug cost; plans are government subsidized and regulated.
Medicare Part D is the federal government’s prescription drug program that covers both brand name and generic drugs at participating pharmacies in your area. Medicare Part C & D have the same eligibility and enrollment time-frame criteria.
Coverage is available to all eligible for Medicare, regardless of income and resources, health status, or current prescription expenses
We work with
- Private Medicare Supplement Plans
- Medicare Advantage Plans
- Part C – Private Fee For Service
- Part C – COST 1876 Plans
- Medicare Savings Plans
- Part D Plans
- Part C – HMO’s
- Part C – PPO’s