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We offer multiple options for all your insurance needs and you are guaranteed to receive our services free of charge. Reach out to us today and let’s talk about all your options.
Also known as Medigap, Medicare Supplement Plans are used to lower any out-of-pocket costs you may have from Original Medicare.
Medicare Advantage Plans, also known as Medicare Part C, offers you the same benefits as Original Medicare, with additional benefits that cover other costs not covered by Medicare.
Since Original Medicare doesn’t cover prescription costs, you’ll need a plan that does. Medicare Part D will cover any necessary drugs so you don’t have to.
Final expense insurance is a type of life insurance policy designed to cover the costs associated with passing away.
With over 30 years of experience, we can break down the Medicare process for you and make it more simple so you understand the choices and information handed to you.
We have acquired an abundance of knowledge, and we’re eager to share this expertise with you in the form of articles and blog posts.
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We believe in empowering people to take ownership of their healthcare. Choosing the best plan for you based on your individual needs is the first step.
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Call us at 1-844-633-5239 to schedule an appointment.
Medicare is the federal health insurance plan designed to help certain populations meet their health care needs. Medicare is like a regular private insurance plan, except the government runs it. Specifically, it is run by a federal agency called the Centers for Medicare and Medicaid Services (CMS). While many people confuse Medicare and Medicaid, the two are, in fact, different. Medicare is for older people or people with disabilities, while Medicaid is for people with limited incomes. Read more to learn more about the basics of Medicare.
Medicare was created for certain people. These populations include:
We are not connected with or endorsed by the United States government or the federal Medicare program.
Medicare is funded mainly by taxpayers. In particular, it is funded by income tax paid into the Social Security and Medicare fund and partly by premiums that Medicare participants pay. Additional payment depends on the type of plan.
There are two main plans: Original Medicare and Medicare Advantage Plans. Original Medicare is paid for by the federal government but does not include prescription drug coverage. Medicare Advantage Plans are different. They are Medicare-approved plans offered through private insurance companies that often include prescription drug coverage with a monthly premium.
Medicare is structured in three parts: Part A, B, and D. Medicare Advantage Plans are often referred to as Part C. Part A mainly covers hospital and skilled nursing facility costs, Part B covers mostly outpatient care, and Part D covers prescription medications. All 3 of these parts allow people to have more flexibility when choosing healthcare providers. Generally, people can choose whatever doctor or hospital they want as long as that provider is enrolled in Medicare.
While the exact method of enrolling in Medicare differs depending on the population, most people get Medicare by enrolling in Social Security right before they turn 65. If you already get Social Security benefits, you will automatically be enrolled in Medicare at age 65.
After you sign up for Medicare, you will receive your Welcome to Medicare package, including your Medicare card. You then choose your coverage. When you choose to enroll in Medicare, you are automatically enrolled in Part A. You have to choose Part B, which has a monthly premium. You must have Part B to enroll in any Supplement Plans or Medicare Advantage Plans.
The Welcome to Medicare packet has helpful information. Even so, choosing coverage is often the most challenging part for people throughout the Medicare process. Our resources will help you understand the different parts of Medicare and how to navigate this process.
Original Medicare aims to create a flexible environment for people to access healthcare while also minimizing costs. This means that consumers can go to any doctor or hospital that accepts Medicare. They do not need to assign a Primary Care Physician and do not need to receive a referral to see a specialist. While inpatient care, outpatient care, preventive care, and some rehabilitation care is covered, prescription drugs are not. Additionally, consumers are expected to pay a deductible before Medicare benefits begin to cover their out-of-pocket expenses. There is no yearly limit on out-of-pocket expenses. While Part A has no monthly premium, Part B does. Some people choose Medicare Supplement Plans in addition to Original Medicare to bridge the gaps in coverage and reduce their out-of-pocket payments. Others may choose a Medicare Advantage Plan as an alternative to Original Medicare.
Medicare is the federal health insurance program administered by the CMS for adults over the age of 65, people with ESRD, or people with disabilities. Medicare has multiple public and private options to make accessing healthcare easier and more flexible for most people. Unfortunately, having multiple options has the added effect of making the process more confusing. Our resources will help you understand the different aspects of Medicare and what will work best for you.
We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.