Medicare

Medicare coverage that fits your needs and brings comfort and peace of mind.

What is Medicare?

Medicare is a federal health insurance program primarily designed for people age 65 and older, but it also covers certain younger individuals with disabilities or specific medical conditions. It helps cover many healthcare costs, including hospital stays, doctor visits, and prescription medications. While Medicare provides essential coverage, it doesn’t cover all healthcare expenses, so many people choose to supplement their coverage with additional insurance plans.

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Medicare Part A (Hospital Insurance)

Part A helps cover inpatient hospital stays, skilled nursing facility care, hospice, and some home health services. Most people don’t pay a premium for Part A if they or their spouse paid Medicare taxes while working. It’s important to know that Part A has deductibles and coinsurance, so some out-of-pocket costs may apply.

 

Medicare Part B (Medical Insurance)

Part B covers outpatient care, doctor visits, preventive services, and medically necessary supplies. Unlike Part A, Part B requires a monthly premium. It’s essential to enroll on time because late enrollment can lead to penalties. Part B also has deductibles and coinsurance.

Medicare Part C (Medicare Advantage)

Part C plans are offered by private insurance companies approved by Medicare. They bundle Part A and Part B coverage and often include additional benefits like vision, dental, and prescription drug coverage (Part D). While convenient, costs and coverage can vary by plan and location, so it’s important to compare options carefully.

    Medicare Part D (Prescription Drug Coverage)

    Part D helps cover the cost of prescription medications. It’s available as a standalone plan for those with Original Medicare or included in many Medicare Advantage plans. Like Part B, Part D requires a monthly premium, and costs vary depending on the medications you take. Enrolling when first eligible helps avoid late enrollment penalties.

      What is Medicare Supplement Insurance?

      Medicare supplement (Medigap) insurance can help pay some of the health care costs that original Medicare does not cover, like copayments, coinsurance, and deductibles.

      Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medicare supplement insurance policy pays its share.

      A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

      Important Things to Know About Medicare Supplement Coverage

      • If you have a Medicare Advantage Plan, you can apply for a Medigap policy, but make sure you can leave the Medicare Advantage Plan before your Medigap policy begins.
      • You pay the private insurance carrier a monthly premium for your Medigap policy in addition to the monthly Part B premium that you pay to Medicare.
      • A Medigap policy covers one person. If you and your spouse both want Medigap coverage, we’ll work with you to setup two separate policies.
      • Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can’t cancel your Medigap policy as long as you pay the premium.

        Medicare Part A and B

        Medicare Part A (Hospital Insurance)

        Part A helps cover inpatient hospital stays, skilled nursing facility care, hospice, and some home health services. Most people don’t pay a premium for Part A if they or their spouse paid Medicare taxes while working. It’s important to know that Part A has deductibles and coinsurance, so some out-of-pocket costs may apply.

        Medicare Part B (Medical Insurance)

        Part B covers outpatient care, doctor visits, preventive services, and medically necessary supplies. Unlike Part A, Part B requires a monthly premium. It’s essential to enroll on time because late enrollment can lead to penalties. Part B also has deductibles and coinsurance.

        Medicare Part C

        Medicare Part C (Medicare Advantage)

        Part C plans are offered by private insurance companies approved by Medicare. They bundle Part A and Part B coverage and often include additional benefits like vision, dental, and prescription drug coverage (Part D). While convenient, costs and coverage can vary by plan and location, so it’s important to compare options carefully.

        Medicare Part D

        Medicare Part D (Prescription Drug Coverage)

        Part D helps cover the cost of prescription medications. It’s available as a standalone plan for those with Original Medicare or included in many Medicare Advantage plans. Like Part B, Part D requires a monthly premium, and costs vary depending on the medications you take. Enrolling when first eligible helps avoid late enrollment penalties.

          Medicare Supplemental

          What is Medicare Supplement Insurance?

          Medicare supplement (Medigap) insurance can help pay some of the health care costs that original Medicare does not cover, like copayments, coinsurance, and deductibles.

          Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medicare supplement insurance policy pays its share.

          A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

          Important Things to Know About Medicare Supplement Coverage

          • If you have a Medicare Advantage Plan, you can apply for a Medigap policy, but make sure you can leave the Medicare Advantage Plan before your Medigap policy begins.
          • You pay the private insurance carrier a monthly premium for your Medigap policy in addition to the monthly Part B premium that you pay to Medicare.
          • A Medigap policy covers one person. If you and your spouse both want Medigap coverage, we’ll work with you to setup two separate policies.
          • Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can’t cancel your Medigap policy as long as you pay the premium.

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