Medicare OPTIONS
Simplifying Health Insurance
Medicare OPTIONS
Simplifying Health Insurance
confused about medicare? You're not alone.
Once qualified for Medicare, selecting a plan is more complicated than you might think. There is no one-size-fits-all plan. While Medicare entitles one to a basic level of coverage, it leaves a number of gaps. There are deductibles to be paid, copays, coinsurance, and no cap on annual costs. Prescription drug coverage is very limited, vision coverage and other benefits are lacking. To fill in these healthcare gaps, one has many options to choose from. That's where I come in! Let me fill you in on your choices and help you navigate Medicare and all its complexities.
Original Medicare
This consists of Part A and Part B ONLY. It does not cover copays, coinsurance, or have a maximum out-of-pocket limit per year. It only covers a very limited number of prescription drugs. Additional prescription drug coverage (Part D) is advised. Original Medicare coverage alone leaves you vulnerable to extra costs that can be avoidable with proper planning.
Medicare Advantage
Also known as Part C, Medicare Advantage plans are a “bundle” plan. They cover everything that is included in Parts A and B, but they also include additional benefits and most often Part D prescription coverage. These plans are provided by private insurance companies, rather than the federal government.
Supplemental coverage (Medigap)
When one chooses to stay with Original Medicare rather than choosing a Medicare Advantage plan (Part C), having supplemental coverage is advised. These plans are provided by private insurance companies and help with copays, coinsurance, and places caps on total annual costs. These plans can be costly if one is under age 65.
Part D, prescription coverage
Part D is often included in the Medicare Advantage “bundle” plans. If one chooses to receive their Medicare through Original Medicare, a Part D standalone plan would help cover your prescription costs. These plans are provided through private insurance companies.
Providers
finding the best plan for you
At no cost to you, I'm committed to your specific needs.
With your Medicare coverage, you have decisions to make. Medicare can be very difficult to understand. Let me help you along the way. I'll find you that just-right plan, one that meets your wants and needs. I will research your healthcare options available to you, so you can choose the one that best suits YOU. That's what I'm here for - to do the legwork for you.
Coverage Options
Everyone wants comprehensive and affordable health insurance. Original Medicare (A and B) alone may leave you vulnerable to extra costs that you did not anticipate. Let me help you evaluate where your coverage and expenses can be improved upon, so you are not left with uncovered services or unexpected medical bills. There are a lot of options to discover - Medicare Advantage plans, MediGap plans, Part D prescription coverage. Let's find out the best solution for you!