Our experienced licensed insurance agents are here to help you understand your options, answer your questions, and guide you toward the right Medicare plan that best fits your needs.
Speak with a Licensed Insurance AgentOur experienced licensed insurance agents are here to help you understand your options, answer your questions, and guide you toward the right Medicare plan that best fits your needs.
Speak with a Licensed Insurance Agent
Medicare is a federally funded health insurance program in the United States that provides coverage for eligible individuals aged 65 and older, as well as certain individuals with disabilities or end-stage renal disease. Administered by the Centers for Medicare & Medicaid Services (CMS), Medicare plays a crucial role in ensuring that older adults and individuals with disabilities have access to affordable healthcare services.
Part A helps cover inpatient hospital stays, skilled nursing facility care, hospice care, and some home healthcare services. Most people do not pay a premium for Part A if they or their spouse have paid Medicare taxes while working.
Part B helps cover medically necessary services, including doctor visits, outpatient care, preventive services, and durable medical equipment. Part B requires a monthly premium, which is typically deducted from your Social Security benefits.
Part C refers to Medicare Advantage plans offered by private insurance companies approved by Medicare. These plans combine the coverage of Part A and Part B and may include prescription drug coverage. Medicare Advantage plans may have different costs and rules compared to Original Medicare (Part A and Part B).
Part D is prescription drug coverage offered through private insurance companies. It helps pay for the cost of prescription medications, and beneficiaries can choose from a range of standalone Part D plans to add to their Original Medicare coverage or opt for a Medicare Advantage plan that includes prescription drug coverage.
Medicaid and Medicare
If you qualify for both Medicaid and Medicare, you may be eligible for additional cost savings and benefits. Medicaid is a joint federal and state program that provides healthcare coverage for low-income individuals. When you have both Medicaid and Medicare, Medicaid can help cover some of the costs that Medicare doesn’t, such as premiums, copayments, and deductibles. Our experienced team can guide you through the intricacies of Medicaid and Medicare coordination to ensure you receive all that is available to you.
Medicare plans can provide an all-in-one solution, combining the Medicare Parts A and B, and often including prescription drug coverage (Part D). With a single plan, you can enjoy coordination of care that meets your medical needs.
Medicare Advantage plans combine Part A and Part B, and may also include Part D. Each plan may vary, so its important to review the plan details.
Medicare Advantage plans typically have a network of doctors, hospitals, and other healthcare providers. Depending on the plan you choose, you may need to receive care from providers within the plan’s network to get the maximum coverage. However, some plans may offer out-of-network coverage, but it may come with higher costs.
The cost of Medicare Advantage plans can vary depending on the specific plan and location. In addition to the Part B premium, Medicare Advantage plans may vary in costs, like premiums, deductibles, co-payments, and coinsurance. It’s important to review the costs associated with each plan and compare them to your healthcare needs and budget.
Yes, you can switch from Original Medicare to a Medicare Advantage plan during the Medicare Annual Enrollment Period (October 15 to December 7). Outside of this period, you may be able to make changes during special enrollment periods if you meet certain criteria.
To enroll in a Medicare Advantage plan, you need to be eligible for Medicare Part A and Part B. You can review and choose Medicare Advantage plans available in your area through the Medicare website or seek assistance from a licensed insurance agent like us to guide you through the enrollment process.
Medicare Advantage plans typically have a network of providers within a specific geographic area. If you move or travel frequently, it’s important to choose a plan that offers out-of-network coverage or has a network that extends to the areas you visit. Some plans may have restrictions on coverage outside of their service area.
Yes, you can switch Medicare Advantage plans during the Medicare Annual Enrollment Period. Its essential to review your current plans network, costs, and changes each year to ensure it still meets your needs. You can explore other available plans and make changes during the designated enrollment period.
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