Medicare

What is Medicare?

Medicare is a health insurance program for:

People who are 65 or older
People under age 65 with certain disabilities
People of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or kidney transplant, sometimes called ESRD)

We understand that Medicare can be confusing, but it doesn't have to be. Our team of Medicare Specialists are here to help guide you through the maze of Medicare and help you make the right decision. Unfortunately many Seniors get taken advantage of by "1-800" Agents who always seem to have your number, but you never seem to have theirs... We are a LOCAL office with LOCAL Agents who are dedicated to providing your the same service we would want and expects for ourselves and our families. Give us a call to set up your NO-COST review to "Right-Size" your Medicare.

Below you can find some eduational materials and videos about Medicare.

Videos

Medicare Part A

Medicare Part A covers your hospital expenses. This includes in-patient hospital stays, skilld nursing care, hospice, and home healthcare services. You may have to pay various deductibles, coinsurance, and copayments, with NO out of pocket maximum. You are entitled to Part A by paying taxes towards Medicare while working for 10 years (or 40 quarters). If you or your Spouse do not have enough work credit for Part A, you may have to pay a Premium.

Medicare Part B

Medicare Part B covers services that treat illnesses or conditions such as doctor’s office visits, lab work, x-rays, and outpatient surgeries. It also covers preventive services like cancer screenings and flu shots. Part B also covers medically necessary durable medical equipment such as wheelchairs and walkers to treat a disease or condition. Most people pay a premium for Part B. Even if you are enrolled in a Medicare Advantage plan that provides your Part A and Part B benefits, you will still pay your Part B premium.

Medicare Part D

Original Medicare doesn’t cover prescription drugs. Although Medicare Part D coverage is optional, it can be valuable if you take medications. You will pay a late-enrollment penalty if you don’t sign up for Medicare Part D Coverage when you are first eligible. You can get Medicare Part D prescription drug coverage either through an independent Prescription Drug Plan (PDP), or through a Medicare Advantage Plan that includes prescription drug coverage.

Medicare Advantage

Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are an “all in one” alternative to Original Medicare. They are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. These "bundled" plans include Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance), and usually Medicare drug coverage (Part D). Medicare Advantage plans may also include other "supplemental benefits" such as Dental, Vision, Hearing, Fitness, OTC, etc.

Medicare Supplement

A Medicare Supplement Insurance Plan is used with original Medicare. Any caregiver that accepts Medicare will take a Supplement because they only need to bill Medicare. Medicare pays their part (generally 80% of Medicare covered benefits) and sends the remainder of the bill to the Supplement which pays their part (generally 20%). It is important to note that Supplements do NOT include Prescription Drug Coverage (Part D, PDP) and for those that do not get a PDP when first eligible there will be a penalty when they do get a PDP. (there are exceptions to this) A Medicare Supplement does not change year to year (although the cost does generally go up the coverage does not change).

Medicare Advantage Plans (Medicare Part C)

Medicare Part C allows you to choose a Medicare Advantage plan. This article will help you decide if it's right for you.

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Ways to Supplement Your Medicare Coverage

There are numerous ways to supplement your Medicare insurance coverage. This article helps you explore your options.

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The A, B, C, & D of Medicare

Learn about all the parts of Medicare with this informative and enjoyable article.

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