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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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Medicare Part A is the part of Medicare that people are automatically enrolled in if they enroll in Medicare. Part A mainly covers hospital and skilled nursing care. Specifically, it covers:
Let’s review each of these topics in more detail.
Inpatient versus outpatient hospital care can be tricky to determine. If you are admitted to the hospital, your admission does not necessarily qualify as an inpatient stay. Some hospitals have certain criteria that patients must meet for their stay to qualify as an inpatient admission. Additionally, the doctor in charge of your care must formally admit you to their service to qualify as inpatient admission.
If you are in the hospital for inpatient care, Medicare Part A covers a shared room, meals, general nursing tasks, and medications that are a part of your inpatient treatment. This also includes care in an inpatient mental health facility. However, Medicare Part A does not cover private-duty nursing, a television or phone if the hospitals charge for these items, or personal care items.
Inpatient hospital stay coverage includes blood units. Specifically, if a hospital receives the blood from a blood bank at no charge, you are not required to pay for that blood. However, if the hospital purchases that blood, you must pay for the first three units of blood you will receive in the calendar year.
We are not connected with or endorsed by the United States government or the federal Medicare program.
A Skilled Nursing Facility, often referred to as an SNF, is a place of rehabilitation that patients often stay in after a hospital stay. An SNF allows patients to recover and rehabilitate when they have nursing needs but do not necessarily need all of the resources of a full hospital admission. Medicare Part A covers certain parts of an SNF stay, such as shared rooms, meals, skilled nursing and rehabilitative services, and the relevant supplies.
To qualify for SNF coverage, your doctor must certify that you need daily skilled care. Additionally, you must have an inpatient hospital stay for a minimum of three days for a condition related to the SNF stay. The inpatient admission must be medically necessary.
Hospice care is for patients who are terminally ill with a life expectancy of fewer than six months, as described by a doctor. Hospice care coverage includes comfort measures, such as medications for pain relief and symptom management, nursing, aides, and equipment. Spiritual and grief counseling are not included in this coverage.
Home health services are when different medical professionals, often nurses or physical therapists, visit patients at home. This normally occurs after a hospital stay when the doctors conclude that a patient needs more help at home but is well enough to stay out of the hospital or SNF. To qualify for Medicare coverage:
Home health services are covered under Part A and Part B. Medicare Parts A and B cover medically necessary part-time skilled nursing care, physical and occupational therapy, and speech-language pathology.
Medicare Part A covers inpatient care, SNF care, home health care, and hospice care. Certain things that are not covered, and the requirements you must meet in order to be covered can be tricky to understand.
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.