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Medicare

Originating in the 1960s, Medicare is a government-provided fee-for-service insurance program intended primarily for seniors. The program encompasses several distinct parts, each of which is outlined below.
  • Medicare Part A covers facility-based care such as hospital visits, emergency room services, hospice, and nursing home care.
  • Medicare Part B covers traditional outpatient treatments and services, including vaccinations, lab tests, mental health services, outpatient operations, durable medical equipment, and most other medical services not performed in a hospital.
  • Medicare Part C (Medicare Advantage) covers elements of Parts A, B, and sometimes D.
  • Medicare Part D covers prescription drugs.
  • Medigap comes through private insurance companies and aims to fill in the “gaps” left in the traditional Medicare coverage.

Know Your Choices

While standard Medicare offers coverage for a wide variety of services, you may find that a different plan through a separate insurance carrier better fits your needs. If you are interested in an alternative plan, we can help you find coverage through either Medigap or Medicare Advantage. Both of these plans offer additional support through third-party insurers, and they are required to provide equal or better coverage when compared to regular Medicare.

Contact Us Today

If you believe that Medigap or Medicare Advantage are right for you, contact us today to discuss your insurance options.

*Disclaimer: This page has not been reviewed or endorsed by Medicare.gov or any member of the Centers for Medicare & Medicaid Services (CMS).

Dual Eligibility

If you are on Medicare and Medicaid then you most likely qualify for a Medicare Advantage Plan for Dual-Eligible Beneficiaries. What does that mean exactly?

Medicare basically lets insurance companies manage these programs because they can offer the same coverages plus give you extras. What kind of extras? How about an allowance to purchase healthy food and help you pay for over-the-counter medications that Medicare and Medicaid do not cover? They also provide some basic coverage for vision, hearing, and dental. The great thing about these plans is that most are $0 premium and most have no co-pays or co-insurance to worry about.

What if you are not happy with the plan you choose? Medicare allows you to change back or to a different plan very easily. Dual-Eligible beneficiaries have the most flexibility of all Medicare recipients.

Bottom line: there is almost no reason why you would not sign up for a plan like this. The same coverages you are receiving now plus you get more benefits. Give me a call or send me a message to receive more information about the plan that will fit your situation.

Medicare Advantage for Veterans

Are you a Veteran who is also on Medicare? How about saving some money every month?

There are Medicare Advantage Plans specifically for Veterans that will reduce your Part B premium every month. If you are already paying this premium then you should definitely check out this opportunity. Remember, a penny saved is a penny earned.

Call or send me a message and I will work to find the plan that works best for you.

 

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