SERVICES

Medicare has a lot of terminology, policies and processes that can be difficult to navigate and understand.

Working with us takes away the pain of this process. We meet with you and listen to your needs and concerns, then sort through the fine print and plan details to narrow down options that suit your health and financial circumstances.

Let us save you time and frustration with a free evaluation of your existing services, or if you are considering coverage.

The Medicare plan types are:

https://www.medicare.gov/

Original Medicare: The government-run benefit that includes Medicare Parts A and B

Medicare Part A: Covers inpatient care in hospitals, skilled nursing facilities, hospice care and some home healthcare. For most beneficiaries, there is no charge for Part A.

Medicare Part B: Covers physician services, outpatient services, laboratory tests, mental health services and other medical services not covered under Part A. Those enrolled in Part B will pay a monthly premium.

Medicare Part C also known as Medicare Advantage Plans: These are plans offered by private insurers as alternatives to Parts A and B. They usually provide additional benefits and may also include prescription drug coverage. The benefits and costs of these plans can vary widely.

Medicare Part D also known as a Prescription Drug Plan (PDP): These plans are offered by private insurers and provide prescription drug coverage which in most cases is not covered under Parts A or B. The formularies (drugs covered under the plan), clinical services and costs can vary widely.

Medicare supplemental insurance also known as Medigap plans: These plans are sold by private insurers and provide supplemental coverage to Original Medicare coverage. Unlike Medicare Advantage Plans, they are not meant to replace Parts A and B coverage but to provide additional benefits.