Medicare Insurance

MEDICARE PART A

This government program helps with the cost of hospitalization, skilled nursing up to 100 days, and hospice care to eligible individuals.
This program has deductibles and co-payments.
Part A and Part B make up Original Medicare. No drug coverage is provided.


MEDICARE PART B

This program helps with the cost of doctor visits, outpatient services such as lab work or radiology, to eligible individuals.
This program has deductibles and co-payments.
Part A and Part B make up Original Medicare.
No prescription drug coverage is provided.

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MEDICARE PART C

Medicare Advantage plans are sometimes referred to as Part C
These plans are offered by private insurance companies
Combining the benefits of Part A and Part B some of these plans also offer Part D Prescription drug plans embedded in the plan.
Plans vary from county to county and may change from year to year.
Plan benefits, premiums, co-payments and co-insurance may also vary greatly.
These plans normally have networks and will require a referral to a specialist.


MEDICARE PART D

Part D Prescription drug plans are offered by private insurance companies.
They provide help with the cost of prescription drugs.
While it is not mandatory to enroll in these plans, if you do not enroll upon eligibility you may incur a permanent penalty later.
Plans include formularies which is a list of covered drugs and are organized by tiers.
Plan benefits, premiums, co-payments and co-insurance may also vary greatly.

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MEDICARE SUPPLEMENT INSURANCE PLANS

Private insurance companies offer these plans to help cover some of the cost associated with Part A and Part B services.
These plans are sometimes referred to as Medi-gap plans. There are numerous plans to choose from in most states.
These plans do not offer prescription drug coverage.
Plan benefits, premiums, co-payments and co-insurance may also vary depending on your location, age and level of coverage you choose.
Plans have no network so you may go to any doctor who contracts with Medicare and will accept you as a patient.

Complimentary Plan Review