Medicare Plans are complex, confusing and overwhelming and change yearly. Having a licensed medicare insurance agent to help you make sense of all the plan details is easy and free to you since they are paid by the insurance carriers. Find out about Doughnut Holes and Silver Sneakers and how they can affect or support your needs.
- Learn about Medicare for All
- 2019 Open Enrollment begins October 15th 2018 and ends December 7th
- See all Supplemental plan options
About Medicare Plans
Medicare Plan Options
When choosing a Medicare plan you must decide if you want to receive the Original Medicare Part A and Part B benefits plus determine if additional coverage is needed. You must decide if a Medicare Advantage plan is a good fit for your lifestyle and budget and if the plan supports you needed coverage. Working with a licensed insurance agent is essential to properly pick a good plan.
Medicare Part A
Part A generally covers the following
- Hospital care
- Skilled nursing facility care
- Nursing home care( must have more than custodial care)
- Home health services
Medicare Part B
Part B is covering types of service or supplies that are needed to diagnose or treat a medical condition and preventative services such as the flu. It also covers items like:
- Clinical research
- Ambulance services
- Durable Medical equipment
- Mental Health
- Some outpatient prescription drugs
- Supports multiple opinions before a surgery
Medicare Part D
Medicare Part D is a medicare prescription drug plan. This can be a standalone drug plan or be part of a public part C health plan which covers at minimum hospital costs and medical services covered by Medicare Part A and B.
Medicare Advantage Plans
This is a type of Medicare health plan that is offered by private insurance companies but they are contracted by Medicare. They provide all the Part A and Part B benefits. They include
- Health Maintenance Organizations(HMO)
- Preferred Provider Organizations(PPO)
- Private Fee-for-Service Plans
- Special Needs Plans
- Medicare Medical Savings Account Plans
Talk With a Insurance Agent
Appointments are Available.
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How to get the most out of your Medicare Coverage
Here is are a few parts of the items that should be on your checklist.
Learn and Educate Yourself
You will want to learn about your Medicare choices and the differences in Medicare Coverage.
Learn About Eligibility
There are certain guidelines associated to when you can sign up for Medicare, make sure to understand them so you don’t get penalized.
Review Current Coverage
If you currently have health insurance coverage, make sure you understand the plan coverage so you can compare it with the plans offered thru Medicare.
Talk with Your Doctor
Be sure to speak with your medical professional or Doctor to understand what preventative services you should get.
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