Medicare, how do I choose?

So, you’re eligible for Medicare?

There are several things to consider when enrolling in Medicare and there is no one right answer. Like selecting a home or a car you have to consider your needs, your preferences and your costs. We work with multiple Medicare Insurance Carriers so that we can assist you in making the decision that is best for you.

Will you be enrolled automatically? How much will it cost? Part A? Part B?? Part C??? Part D???? Will I be penalized if I don’t enroll? What is Original Medicare? What is a Medicare Supplement? Medigap? Medicare Advantage? What if I am still working? What if my spouse is still working? Must I elect Prescription drug coverage? What happens if I don’t elect Rx coverage?  What if I have a pre-existing condition? Does my Dr accept it?

Lots of questions, we know. Here are some answers!

Understanding Medicare: The Basics

Medicare is a federal health insurance program primarily for people aged 65 and older. It consists of several parts, each covering different aspects of healthcare:

1.Medicare Part A (Hospital Insurance)

Covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

2.Medicare Part B (Medical Insurance)

Covers certain doctors’ services, outpatient care, medical supplies, and preventive services.

3.Medicare Part C (Medicare Advantage)

An alternative to Original Medicare that offers additional benefits through private insurance companies. These plans can also include Part D (prescription drug coverage) and other benefits.

4.Medicare Part D (Prescription Drug Coverage)

Helps cover the cost of prescription drugs. These plans are offered by private insurers and can be added to Original Medicare or included in Medicare Advantage plans.

5. MediGap aka Medicare Supplement

A private insurance policy that helps fill in some or all of the gaps of what Original Medicare does cover.

Want to explore what Medicare plans are available? Follow this link, BUT please come to us with questions! The info is not completely transparent, and we would not want you to make a decision without the full picture.

By calling this number or providing your information you agree to speak with a licensed insurance agent about Medicare Advantage, Part D Prescription Drug Plans or Medicare Supplements.  We are not affiliated with any government agency including Medicare.