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Medicare 101
The first step is to learn the basics of Medicare. Things like:
Who qualifies for Medicare
When should you enroll
What Medicare Parts A,B,C,D are
What the costs are
Working past 65
Coverage Choices beyond Original Medicare
What do all the Medicare parts mean?
Part A
Also known as “hospital coverage”, Part A helps pay for your inpatient care, skilled nursing facilities, hospice and some home health care.
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Part B
Helps cover your outpatient care including doctor visits, durable medical equipment, and a range of services such as preventive services, screenings, x-rays, vaccines.
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Part C
Also called Medicare Advantage. These plans combine your Parts A & B and usually Part D drug coverage. They also offer additional benefits beyond Original Medicare.
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Part D
Prescription Drug coverage. Offered through stand-alone Part D plans, or included with most Medicare Advantage plans. It is important to compare the costs of your prescriptions to see which plan offers you the lowest total out of pocket cost.
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Coverage Beyond Original Medicare
You have choices. Once you have signed up for Parts A & B (Original Medicare), we will work together to configure plan options that offer benefits to fit your individual needs.
Medicare Supplements (Medigap)
These policies are offered by private insurance companies. They help pay some of the out-of-pocket costs not covered by Original Medicare, such as copayments, coinsurance and deductibles.
Medicare advantage
Medicare Advantage Plans are offered by private companies approved by Medicare. Medicare Advantage Plans provide all of your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage, and usually your Part D (prescription coverage) all in one plan. These plans also offer additional benefits such as dental, vision, hearing.
Dental Plans
Original Medicare does not cover most dental services, like cleanings, x-rays, fillings, extractions, dentures, bridges. Dental plans help pay a portion of the costs associated with your dental care.
Vision Plans
Original Medicare does not cover vision services. Vision plans offer annual eye exams and help pay for eyeglasses or contacts.
Year-Round Support
Signing up for Medicare is just the first step in your journey. During the year I am available to help with new provider search, claims assistance, questions and general support. Over time, your healthcare needs may change. For Annual Enrollment Period, Oct 15-Dec 7, I offer an annual plan review including prescription coverage cost comparisons.
As an independent broker, my loyalty is to you not the insurance company. I am here to equip you with all of the information necessary to make a sound decision concerning your Medicare coverage. I provide unbiased advice and can help you save money by finding the plan that best fits your individual needs. I hope to be a life-long trusted partner with you for years to come. I will be your personal, local agent you can rely on year after year.
I am always here to offer help and support!
