Confused About Medicare??
Medicare Simplified
Are you turning 65?
Follow this path if you're going to get retirement or disability benefits from Social Security at least 4 months before you turn 65. You’ll get Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) automatically when you turn 65. You’ll still need to make important decisions about your coverage, like whether you need to add drug coverage.
Medicare Part A
Medicare Part A covers your hospital expenses. This includes hospital stays, skilled nursing care, hospice, and home health-care services. You may have to pay various deductibles, coinsurance, and copayments. You earn Part A by paying taxes toward Medicare while working for 10 years (or 40 quarters). If you did not earn Part A, you will pay a premium
Medicare Part B
Medicare Part B covers services that treat illnesses or conditions such as doctor’s office visits, lab work, x-rays, and outpatient surgeries. It also covers preventive services like cancer screenings and flu shots. Part B also covers medically necessary durable medical equipment such as wheelchairs and walkers to treat a disease or condition. Most people pay a premium for Part B. Even if you are enrolled in a Medicare Advantage plan that provides your Part A and Part B benefits, you will still pay your Part B premium.
"I can't say enough about the outstanding service I received from your company. The team went above and beyond to meet our needs and exceeded our expectations." Victoria
Medicare Part D
Original Medicare doesn’t cover prescription drugs. Although Medicare Part D coverage is optional, it can be valuable if you take medications. You will pay a late-enrollment penalty if you don’t sign up for Medicare Part D Coverage when you are first eligible. You can get Medicare Part D prescription drug coverage either through an independent Prescription Drug Plan (PDP), or through a Medicare Advantage Plan that includes prescription drug coverage
Medicare Advantage
Medicare Advantage, also known as Medicare Part C, is a type of health plan offered by private companies that provides an alternative way to receive your Medicare Part A and Part B coverage. These plans are required to cover at least the same benefits as Original Medicare, but they may also include additional services such as vision, dental, and wellness programs. Medicare Advantage plans often have an out-of-pocket \, which can help protect you from high costs. They may also include prescription drug coverage. Overall, Medicare Advantage plans aim to offer more comprehensive coverage options compared to traditional Medicare.
Click on the link below to access the Medicare and You Booklet
We do not offer every plan available in your area. Currently, we offer 25 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. This is a proprietary website and is not associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov