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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$164.90 is the monthly premium for 2023 (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 the plan enrollee.
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Some plans include drug coverage with $0 to low monthly premiums.
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Most plans include Vision, Dental and Hearing etc.
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Most MA plans includes Drug coverage.
We acknowledge the importance for seniors finding the correct plan.
Medicare Supplement
Works with Original Medicare
(Part A and Part B)
(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 labelled A through N.
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Also called Medigap Policies.
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All 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 drug plan for drug coverage.
Speak with a Licensed Insurance Agent