Selecting a Medicare Plan can feel overwhelming. 

Guiding you through this process to help you determine the right plan for you is my goal.  Whether you are new to medicare (turning 65) or needing to review your annual options, you can call me to schedule an informational meeting.

During this meeting I will explain the parts of medicare and your options.

I am an independent agent who works for you and not an insurance company.  As a broker, I am here to help you understand all of your choices which allows you to choose the plan best suited to your needs and budget.

Debbie Denesha

Medicare Explained: What is it?

Medicare is the federal health insurance program for:

  • People who are 65 or older
  • Certain younger people with disabilities
  • People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)

The different parts of Medicare help cover specific services:

Medicare Part A (Hospital Insurance) Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

Medicare Part B (Medical Insurance)  Part B covers certain doctors’ services, outpatient care, home health care, durable medical equipment and preventive services (like screenings, shots, and yearly “Wellness visits”)

Medicare Part D (prescription drug coverage) Part D adds prescription drug coverage to: Original Medicare, Some Medicare Cost Plans, Some Medicare Private-Fee-for-Service Plans and Medicare Medical Savings Account Plans

These plans are offered by insurance companies and other private companies approved by Medicare. Medicare Advantage Plans may also offer prescription drug coverage that follows the same rules as Medicare Prescription Drug Plans.

What are your Medicare Options?

There are 2 ways to get Medicare:

1.Original Medicare

  • Original Medicare includes Medicare Part A (Hospital Insurance) and Part B (Medical Insurance)
  • If you want drug coverage, you can join a separate Part D plan.
  • To help pay your out-of-pocket costs in Original Medicare (like your deductible and 20% coinsurance), you can also shop for and buy supplemental coverage.

2. Medicare Advantage (also known as Part C)

  • Medicare Advantage is an “all in one” alternative to Original Medicare. These “bundled” plans include Part A, Part B, and usually Part D.
  • Some plans may have lower out-of-pocket costs than Original Medicare
  • Some plans offer extra benefits that Original Medicare doesn’t cover— like vision, hearing, or dental.
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