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MEDICARE PLANS
Medicare can be really confusing
Our mission is to provide knowledge and understanding about Medicare
Original Medicare
Consists of :
Part A: Hospital Insurance
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$0 monthly premium for those who worked and paid Medicare taxes for 40+ quarters.
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You pay deductibles and copays.
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$174.70 is the monthly premium for 2024 (may be higher based on income)
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You usually pay 20% of Medicare amount approved once you meet your deductible
Our knowledgeable licensed insurance agents help clients choose the right plan for their needs and life styles.
Part B: Medical Insurance
Medicare Advantage (MA)
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Most plans have fixed copays for hospital and medical services.
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Plans have a yearly out-of-Pocket maximum for copays, deductibles and coinsurance paid by plan enrollees.
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Most MA plans include prescription drug coverage (Part D).
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All plans offer Medicare-covered services provided by Original Medicare--and sometimes more.
We acknowledge the importance for finding the correct plan for anyone eligible for Medicare.
Medicare Supplement
Works only Original Medicare
(Part A and Part B)
(Medicare Drug Plan must be purchased separately)
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Monthly premium varies-depends on plan selected, carrier and state clients lives in.
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Plans are labeled A through N.
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Also called Medigap Policies.
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All policies plans offers the same basic benefits: some offer additional benefits so you can choose which plan meets your needs.
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If you have Original Medicare as your health insurance coverage. Medicare Supplement Insurance is available to help pay some of the remaining health care costs Original Medicare does not cover.
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Must purchase separate Medicare drug plan for drug coverage.If you have Original Medicare
Speak with a Licensed Insurance Agent