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Medicare and its Options

Please take moment to read about Medicare and its Options, Here is Medicare Made easy.

What you need to know:

  • There is an option for everyone’s situation

  • Basic Medicare has 2 Parts: Part A and Part B 

  • Medicare allows you to see any Doctor Nationwide that accepts Medicare

Part A - Hospital:

 
  • Hospital Services

  • Inpatient Services

  • Skilled Nursing Service

  • Hospice Care

  • Home Health Care

  • Large Deductible when admitted to the hospital

Part B - Medical Services:

  • Doctors

  • Medical Test​

  • Outpatient Services

  • Durable Medical Equipment

  • It has a small yearly Deductable and then Medicare covers 80% leaving you with 20% and any excess charges that your Doctor may charge, which is up to 15% MORE than what Medicare allows.

Medicare Part C

What is Medicare Advantage:

  • Sometimes referred to as Medicare Part C 

  • An option to get your Medicare Benefits in an all-in-one plan. 

What these plans do:

  • Low to no Premium

  • Take over from your Orginal Medicare with a Private company HMO, PFFS, or PPO plan

  • Includes items not covered by Medicare like dental coverage and gym membership.

  • Can include drug coverages

  • Caps the amount you can spend annually for medical costs

  • These plans also have Co-pays and Deductibles set by the company that offers the plan, Not Medicare.

Prescriptions, Part D

  • These coverages are added to your Original Medicare to cover your prescription drugs. 
  • These plans are offered by private companies that are authorized by Medicare to provide this coverage.
  • If you do NOT take a prescription plan when first eligible; Medicare WILL access a penalty once you decide to take one.
  • So, to avoid the penalty always take one even if you are taking no medications. Some Medicare Advantage Plans have these included, but not all.

Medicare Supplement

What is a Medicare Supplement:

  • A Medicare Supplement, or Medigap; Is a plan the picks up the out-of-pocket costs left over by Medicare.
  • For example, the 20%, deductibles, and/or excess charges; depending on the plan you choose.
  • Plans are Standardized: This means Medicare Supplement plans do not vary from company to company.​
  • The only difference is the price and quality of the company.​
  • ​These are the most comprehensive plans on the market, but they have a higher monthly premium because it’s additional coverage to your Original Medicare.
  • ​Since these plans supplement Original Medicare, you retain the ability to use any doctor nationwide that accepts Medicare.

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