MEDICARE

MEDICARE ADVANTAGE

ORIGINAL MEDICARE

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Medicare Advantage is paid for by Medicare and covers many of the "GAPS" of Original Medicare. Medicare Advantage plans may cover more services and have lower out-of-pocket costs than the Original Medicare. Some plans also cover prescription drugs. Unlike Original Medicare you may have a large choice of option the will cost you little out of pocket and will include services like:

  • Gym

  • House Call

  • 24/7 Nurse​

  • Meal Delivery

  • Transportation

  • Vision / Glasses

  • Diabetic Supplies

  • Dental / Dentures

  • RX Home Delivery

  • Medical Alert Button

  • Hearing / Hearing Aids

  • TeleDoc / Tele Psychiatrist

 

In some plans you may only be able to see certain doctors or go to certain hospitals to get covered services. But in our region we have large networks and can recommend one that will allow you to see the Doctor of your choice. Some plans do not require you to have a referral to see a specialist and it's is increasingly popular to see a primary Doctor with a $0 copay and $0 annual deductible which is unheard of in the under 65 insurance plans.

 

Contact us for more information on Medicare Advantage Plans.


 

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OPTION #1

Original Medicare combined with a Supplement and a Prescription Drug Plan

OPTION #2

Medicare Advantage sponsored by Medicare that combines Medical, Hospital Prescription Drug Plan

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ORIGINAL MEDICARE

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We provide all of the Education you need for Original Medicare and Medicare Advantage Plans so you can make an informed decision. Please take a moment to connect directly with one of our agents or use our Contact us page for an agent in your area. We look forward to serving you!

 

Today's Medicare is working with private companies that provide different ways to get your health care and prescription drug coverage in the Medicare Program. The Medicare plan that you choose affects many things like cost, benefits, doctor choice, convenience, and quality.

 

Help Paying for Health Care Costs

Your Medicare plan choices include:

 

Original Medicare – This is a fee-for-service plan that covers many health care services and certain drugs. You can go to any doctor or hospital that accepts Medicare. When you get your health care, you use your red, white, and blue Medicare card. There is an annual Hospital deductible of $1,484 and Medical is $203 for 2021

 

The Original Medicare Plan pays for many health care services and supplies, but it doesn't pay all of your health care costs. There are costs that you must pay, like coinsurance, copayments, and deductibles. These costs are called "GAPS" in Medicare coverage. You might want to consider buying a Medigap policy to cover these gaps in Medicare coverage. You can also add prescription drug coverage by joining a Medicare Prescription Drug Plan.

There are wide ranges of health care coverage choices that may help pay for some of your health care costs. These health care choices work with the benefits you have from Medicare. What you choose will affect how much you pay, what benefits you have, which doctors you can see, and other things that may be important to you. For more information about programs that may help pay for some of your health care costs. Contact me for more information on Medicare

How does Medicare supplement insurance work?​

While Medicare Parts A and B (also called “Original Medicare”) cover some health care costs, they don’t pay for everything. Medicare supplement insurance plans from private insurers complement your Medicare coverage. These plans help cover some of your out-of-pocket expenses not paid by Medicare.

Standardized Medicare supplement insurance plan benefits are set by the federal government. That means the basic benefit structure for each plan is the same, no matter which insurance company is selling it to you.

Some plan features are:

  • You're able to keep your own doctor without network restrictions, as long as they accept Medicare patients.

  • Coverage goes with you when you travel in the U.S.

  • You are guaranteed coverage for life. †As long as premiums are paid on time and there has been no material misrepresentation on the application. 

  • Rates are subject to change. Any change will apply to all members of the same class insured under your plan who reside in your state.

  • You may visit any specialist who accepts Medicare patients without a referral.

Medicare Advantage

Medicare Advantage (Medicare “Part C”) is an “all in one” alternative to Original Medicare. These “bundled” plans include but are not limited to:

  • Part A, Part B, and usually Part D. Most plans offer extra benefits Original Medicare doesn’t cover Your Medicare health plan decisions affect how much you pay for coverage, what services you get, what doctors you can use, and your quality of care.

  • You my pay $0 in premium and as low as $0 to see a PCP (primary care physician) 

  • May include benefits like: dental, vision, hearing, hearing aids, transportation, vitamins, in home care, "Give Back Benefit" Teledoctor, tele mental health, 24/7 nurse line and more. 

 

Learning about your Medicare coverage choices, getting help from people you trust, and comparing different plans can help you understand all the options available to you.

Prescription Plans

Prescription Drug Plans – Medicare does not pay for medicine from the pharmacy. There are stand-alone plans add prescription drug coverage to the Original Medicare Plan is know as Medicare Part D. Contact me for more information on Medicare Prescription Drug Plans. Most plans have high deductibles and most prescriptions have copays. If you use more than $4,430 worth of medication in a year you will likely enter what is know as the coverage gap also known as a donut hole. In the coverage gap you may be required to pay higher copays until you exit the coverage gap at $7,050. At that time you copays will decrease dramatically.

Ask one of our professionals now to learn more. 

The diagram below helps explain the Coverage Gap / Donut Hole.

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MAJOR MEDICAL

Major medical health insurance is a type of health insurance that covers the expenses associated with serious illness or hospitalization.

MEDICARE

We provide all the information you need on Original Medicare and Medicare Advantage Plans so you can make an informed decision. 

LIFE

The basic building block of financial planning is protection. By getting enough life insurance you are protecting your loved ones so that the money is there to continue their lives without disruption.

ANNUITIES

An annuity is an insurance product that pays out income, and can be used as part of a retirement strategy. Annuities are a popular choice for investors who want to receive a steady income stream in retirement.

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FINAL EXPENSE

Final expense insurance is designed to cover the bills that your loved ones will face after your death. These costs will include medical bills and funeral expenses.