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Medicare is a federal program that ensures citizens who are disabled or 65 and older have affordable health care options. It is also one of the most complex systems of insurance to understand because of the rules, regulations, deadlines, penalties, compliance guidelines, and other policies and procedures set forth by the federal government. Fortunately, our knowledgeable team is well versed in the do’s and do not’s of Medicare. We are here to assist you along your Medicare journey, ensuring that you find the right coverage for your individual needs.  Click here to download the Medicare and You Handbook 2024



Original Medicare Part A & B

Original Medicare you apply and enroll through the Social Security office has 2 parts.

Medicare Part A (hospital insurance) generally covers inpatient stays, skilled nursing care, hospice care, and limited home health care services.  You typically pay a deductible and coinsurance and/or copayments.

Medicare Part B (medical insurance) helps pay for services from doctors and other health care providers, outpatient care, home health care, durable medical equipment and some preventative services.  You will have a deductible after it is met you have coinsurance.

Prescription Drug Plan Part D

Medicare Part D is simply insurance for you medication needs.  You pay a monthly premium to an insurance carrier for your precription drug plan.  In return, you use the network of pharmacies to purchase your prescribed medications.

Medicare Supplement

A Medicare Supplement Insurance (Medigap) policy is health insurance that can help pay some of the health care costs that Original Medicare doesn't cover, like coinsurance, copayments, or deductibles. The policies are offered by private insurance companies.

Medicare Advantage Part C

Medicare Advantage Plans, sometimes called Part C or MAPD, are health plan options that are part of the Medicare program.  If you join one of the plans, you generally get all your Medicare covered services through the Medicare Advantage Plan.  This coverage can include prescription drug coverage.  The plans often include extra items such as dental, vision, hearing, gym memberships and over-the-counter benefits.


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