We Can Help You Understand Medicare
Medicare is health insurance for people over the age of 65 or for people younger than 65 who have qualified for Social Security Disability for longer than 24 months or who have been diagnosed with either End Stage Renal Disease (“ESRD”) or Amyotrophic lateral sclerosis (“ALS”), also known as motor neurone disease (MND) or Lou Gehrig’s disease.
- Original Medicare is comprised of 2 parts…Part A and Part B.
- Medicare Part A is Inpatient Hospital and Skilled Nursing coverage.
- Medicare Part B is Outpatient coverage including outpatient surgeries, doctor’s office visits, lab work, machine tests (MRI’s, CT scans, etc.)
Since there is cost sharing with Original Medicare, individuals can enroll in supplemental coverage for some, if not all, of the utilization costs with Original Medicare, while offering ancillary benefits not provided by Original Medicare such as:
- Prescription Drug Coverage
- Dental Coverage
- Vision Coverage
- Hearing Aid Benefits
- Fitness Benefits
People can supplement Medicare typically in one of two ways:
Which coverage option is right for you?
Option 1 = MediGap + Part D
- You visit the doctor often
- You have planned surgeries
- You have a chronic health condition that requires ongoing infusions
- You travel frequently outside of your home state for extended periods of time
- The higher and typically annually increasing monthly premiums are affordable for you
Option 2 = Medicare Advantage/Part C
- You visit the doctor somewhat infrequently
- Ancillary benefits, such as Dental, Vision, Hearing, Fitness, etc. are important to you
- You want a plan with integrated Rx coverage
- Your medical providers participate in the plan you want to enroll in
Still confused? We can help you!
Choose your preferred learning method below:
Let one of our Member Agents help you review your specific healthcare needs and determine the coverage that is right for you.
Our Member Agents will never charge a fee for their educational or enrollment services.