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Medicare Affects Nearly All Americans, And Can Be Confusing
Avoid the stress of figuring out Medicare. Learn your options, get educated, and avoid making costly mistakes. Let's make it easy.
Ultimately, we want to enroll you in an insurance plan that you feel confident in. You know why you picked it and you know exactly how it works. We focus on creating a low stress environment so you don't feel sold, but informed.
Medicare Supplement, Medicare Advantage and Medicaid
Insurance that helps fill "gaps" in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services/supplies. A Medicare Supplement policy can help pay some of the remaining health care costs; copayments, coinsurance, deductibles, etc.
A Medicare Advantage plan is a private health insurance plan approved by Medicare. You may opt to get your Part A, B and D benefits from a Medicare Advantage plan instead of Original Medicare. These Medicare private insurance plans usually have an HMO or PPO network of doctors... and additionally offer luxuries.
A federally-supported but state-administered program intended to provide health insurance to low-income, low-asset individuals and families, including people with disabilities and people over the age of 65. Medicaid also offers benefits not normally covered by Medicare, including nursing home care and personal care services.
Medicare Plan Options
Each year you can change between Original Medicare and Medicare Advantage Plan.
Step 1: When you turn 65, you choose a Medicare plan
In these government plans, prescriptions not included.
Some hospital care with no premium for most.
Some doctor visits $148.50 monthly standard premium amount in 2021 for most.
Medicare Advantage Plan
You sign up for private network coverage, cost varies. (Like an HMO or PPO)
Combines Part A, Part B and usually Part D (prescription drug)
Step 2: Decide if you need prescription drug coverage
Prescription drug coverage, premiums vary.
Step 3: Decide if you need supplemental coverage (Medigap)
Prescription drug coverage. Part D may be added to Advantage plans that do not cover prescriptions, premiums vary.
NOTE: If you join a Medicare Advantage Plan, you can't be sold a Medicare Supplement Insurance (Medigap) policy.
This policy from a private provider generally picks up costs not covered by Parts A and B, premiums vary.