Essential Medicare Coverage for Your Health
Medicare
Made Easy
Confused by Medicare choices and requirements? Our experienced team of insurance agents offers tailored guidance, helping you secure the right plan effortlessly and at the best possible deal.
Everything You Need To know About Medicare At A Glance
What Is Medicare?
Medicare is a federal health insurance program
for people 65 and older, certain younger individuals with disabilities, and those with End-Stage Renal Disease.
Am I Eligible?
Determine your eligibility for Medicare by assessing factors such as age, disability status, and specific medical conditions like End-Stage Renal Disease.
Coverage Options?
Explore the diverse Medicare coverage options available to ensure you receive the comprehensive healthcare benefits tailored to your unique needs.
What Are My Options?
Original Medicare
Original Medicare includes Part A (Hospital Insurance) and Part B (Medical Insurance).
Part A (Hospital Insurance):
No premium if you meet the requirements
Covers: Some hospital stays under the right conditions for a limited number of daysHospice care under some conditions
Part B (Medical Insurance):
Costs a premium that varies based on income
Covers: Many outpatient services for general or psychiatric careAmbulance transportation under the right conditions
The use of medically necessary DME
(Durable Medical Equipment)
A limited number of outpatient prescription drugs
Medicare Advantage
Medicare Advantage Part C. Medicare Advantage is managed care that combines Part A, Part B, and usually Part D. Medicare oversees private insurers who manage your coverage. These plans may offer benefits beyond Original Medicare. The plans are usually Health Maintenance Organizations (HMO) or Preferred Provider Organizations (PPO) with provider networks to help manage costs.
You may prefer a Medicare Advantage Plan if you:
Prefer a low or no monthly premium
Are interested in additional benefits like dental, vision or hearing services
Are used to, or don't mind, using a plan's network of providers if required
Do not see the doctor too often and are OK with paying a copay for an office visit if it keeps your monthly premium low
Like all your benefits in one plan with one premium
Want your prescription drug coverage included as a plan benefit
Like the convenience of the plan managing all your benefits, paperwork and premiums
Want to reduce your out-of-pocket costs
Medicare Supplement
A Medicare Supplement Insurance Plan (Medigap) helps to fill the gaps in Original Medicare. It does not include prescription drug coverage so you may want to add a Part D plan to complete your coverage if you choose this option. Medicare Supplement Insurance Plans are generally accepted by any provider that accepts Medicare.
You may prefer a Medicare Supplement Insurance Plan if you:
Want flexibility when choosing your providers
Frequently go to the doctor and need to keep the cost of office visits low
Would rather pay a higher monthly premium and keep your out-of-pocket costs low
Travel a lot
Have chronic medical needs
Are willing to enroll in a separate prescription drug plan
Don't mind keeping track of multiple plans, paperwork and premiums (Original Medicare, Medicare Supplement Insurance Plan, and Prescription Drug Plan)
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