Medicare Health Insurance Plans

What you need to know!

Medicare  is the United States government health insurance program for people 65 and older. Some people under age 65 may also be eligible for Medicare, including those with disabilities, permanent kidney failure, or amyotrophic lateral sclerosis.


Medicare helps with the cost of health care, but it doesn’t cover all medical expenses or the cost of most long-term care. The program has four parts:



Part A is hospital insurance.

Part B helps pay for medical services that Part A doesn’t cover.

Part C is called Medicare Advantage. If you have Parts A and B, you can select this option to receive all health care through a provider organization, such as an HMO.

Part D is prescription drug coverage. Help pay for some medicines.

Medicare Advantage Plans

Also known as Medicare Part C, are an alternative to Original Medicare (Medicare Part A and Part B). These plans are offered by private insurance companies and provide the same benefits as Original Medicare, but often with additional coverage and lower out-of-pocket costs.

Some of the key features of Medicare Advantage Plans include:

✅ Coverage for services not covered by Original Medicare, such as vision, hearing, and dental.

✅ Lower out-of-pocket costs for things like deductibles and copays.

✅ Network restrictions, meaning you must see providers within the plan's network to be covered.

✅ The option to choose a plan that includes prescription drug coverage.
One of the benefits of Medicare Advantage Plans is the additional coverage they provide, including vision, hearing, and dental services. This can be especially appealing for seniors who need these types of services and want to save on out-of-pocket costs.

Another benefit of Medicare Advantage Plans is the potential for lower out-of-pocket costs. These plans often have lower deductibles and copays than Original Medicare, making them a more affordable option for some seniors.

It is important to note that Medicare Advantage Plans have network restrictions, which means that you must see providers within the plan's network in order to be covered. This is something to keep in mind when choosing a plan.

Lastly, many Medicare Advantage Plans include prescription drug coverage, which can be cost savings for seniors who take multiple medications. If you choose a plan that does not include prescription drug coverage, you can enroll in a standalone Prescription Drug Plan (Medicare Part D).

Overall, Medicare Advantage Plans is a great option for seniors who want additional coverage and lower out-of-pocket costs but it is important to understand the network restrictions and additional benefits of the plan before enrolling.
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Supplemental Medicare Plans

Also known as Medigap plans, are insurance policies that are sold by private companies to fill the gaps in coverage in Original Medicare (Medicare Part A and Part B).

Some of the key features of Supplemental Medicare plans include:

✅ Coverage for things not covered by Original Medicare, such as copayments, coinsurance, and deductibles.

✅ Coverage for foreign travel emergency health care.

✅ Coverage for Medicare's out of pocket costs, such as the Part A hospital deductible.

✅ Guaranteed acceptance and standardized benefits.
One of the main benefits of Supplemental Medicare plans is that they provide coverage for the gaps in Original Medicare, such as copayments, coinsurance, and deductibles. This can be especially helpful for seniors who have high out-of-pocket costs for medical care and want to limit their financial liability.

Another benefit of Supplemental Medicare plans is that they provide coverage for foreign travel emergency health care. This can be especially important for seniors who travel frequently or plan to travel internationally in retirement.

Supplemental Medicare plans also provide coverage for Medicare's out-of-pocket costs. For example, Medigap Plan F covers the Part A hospital deductible, which can be a significant cost savings for seniors who are frequently hospitalized.

Lastly, Supplemental Medicare plans have guaranteed acceptance and standardized benefits. This means that private companies that sell Medigap plans must provide the same benefits for each plan, regardless of the insurer. This makes it easier to compare plans and pick the right coverage for your needs.

It is important to note that Medigap plans are only available to people who are enrolled in Original Medicare. You cannot buy a Medigap plan if you have a Medicare Advantage Plan, and the Medigap policy must be purchased separately.

Overall, Supplemental Medicare plans can be a great option for seniors who want to limit their financial liability and have additional coverage options not provided by Original Medicare. It is important to understand the benefits of the plan and when is the best time to enroll to avoid penalties.

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MEDICARE DOESN'T PAY FOR EVERTHING

Consider a Medigap plan to help complete your coverage, You may need more insurance coverage to help fit your need. There are variety of Medicare Supplementary Insure Plan You can choose the right plan to get help paying some of the Out-Of-Pocket cost for medicare covered services.

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    Select your own doctors and hospitals, as long as they accept medicare patients.

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    See specialists with not referrals or claim forms to file.

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    Your coverage covers you when traveling anywhere in the U.S.

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    Coverage for life. Automatically yearly renewals as long as you pay your premiums when due and you don´t make any material misrepresentation when you apply for this plan.

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