MEDICARE
Navigating Medicare: Your Guide to Coverage
Transitioning into Medicare can be more complex than expected, with multiple moving parts that must align to provide the best coverage for you. Our in-house Medicare specialist is here to help you find the right plan based on your current medical needs, budget, and future considerations.
Medicare is a federal health insurance program for individuals aged 65 and older, certain individuals with disabilities, and those with permanent kidney failure requiring dialysis or a transplant (End-Stage Renal Disease).
Understanding Medicare Plans:
Medicare Part A (Hospital Insurance) Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health services. Medicare covers 80% of these costs.
Medicare Part B (Medical Insurance) Covers doctor visits, outpatient care, medical supplies, and preventive services, with Medicare covering 80% of the costs.
Medicare Part C (Medicare Advantage Plans) Offered by private insurers that contract with Medicare, these plans provide Part A and B benefits, often with co-pays and additional perks like prescription drug coverage. If enrolled in a Medicare Advantage Plan, services are covered through the plan rather than Original Medicare.
Medicare Part D (Prescription Drug Coverage) Adds prescription drug coverage to Original Medicare. These plans are available through Medicare-approved private insurers.
Medicare Supplement (Medigap Plans) Sold by private companies to help cover out-of-pocket costs not included in Original Medicare. Unlike Medicare Advantage Plans, Medigap policies strictly supplement Original Medicare rather than rep
*Note: Medigap plans do not include prescription drug coverage—a separate policy is required.
We're Here to Help!
Understanding Medicare enrollment timelines is crucial. You have:
Three months before turning 65
The month you turn 65
Three months after your birth month
Our Medicare specialist is ready to guide you through the process.
Call our office today to schedule an appointment and get your questions answered.