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Medicare Basics

We help our eligible clients enroll into additional extra help programs to help subsidize their premiums, co-pays & deductibles….Find out if you qualify.

WHAT ARE THE PARTS
OF MEDICARE?

PART A (HOSPITAL)

Helps cover the following (including, but not limited to):

  • Inpatient hospital care
    • Semi-private room
    • Meals
    • Drugs, supplies, equipment
    • Lab and x-ray
    • Operating room/recovery services
  • Blood transfusions (hospital or skilled nursing facility
  • In and out rehabilitation services after a qualified inpatient stay
  • Some in-home skilled nursing care (restrictions apply)
  • Hospice

PART B (MEDICAL)

Helps cover the following (including, but not limited to):

  • Doctor visits in and out of hospital
  • Preventative services
    • Flu shots
    • Mammograms
    • Annual physical
    • Many more!
  • Lab tests (Blood work)
  • MRI, CT scans, X-rays, & other diagnostic tests
  • Outpatient Physical, Occupational, & Speech/language therapy
  • Diabetes screening, education, & supplies
  • Mental Health Care
  • Durable Medical Equipment (example: wheelchair, crutches, prosthetics)
  • Ambulatory Surgical Center Services
  • Ambulance (ground or air), Emergency Room, & Urgent Care

Both parts A and B of Medicare have restrictions & limitations on covered services provided. Although these services are “covered”, you are responsible for any deductibles, co-pays, & co-insurances left behind by Medicare. This is why you should have a Medicare Supplement or Advantage plan. Call us today!

PART D (PRESCRIPTION DRUG COVERAGE)

  • Provided by private insurance companies overseen by Medicare
  • Helps cover cost of prescription drugs
    • Generic
    • Brand
    • Specialty
    • Vaccines & Shots
  • Can be a separate plan
    • Example:  Medicare Supplement plan and a Prescription Drug Plan
  • Can be included in a Medicare Advantage plan
    • Example:  Medicare Advantage plan that covers both medical and prescription drugs all in one plan.
  • Premiums, Co-pays, & Deductibles can be subsidized for eligible beneficiaries.
  • Prescription brands covered, co-pays, co-insurance, premiums, deductibles, and pharmacy networks are different between plans.

PART C (MEDICARE ADVANTAGE)

Combines Medicare Parts A & B. Most plans also include Part D and extra benefits into one plan often with no additional premium.

  • Plans often have no to low premiums
  • Most plans offer some or all of the extra benefits
    • Dental
    • Eye glasses & Hearing Aids
    • Free over the counter supplies
    • Gym membership
    • Wellness programs
    • Transportation
    • 24 hours nurse hotline
    • Food allowance
    • Part B premium reduction
  • Have network of providers
  • Coordinated Care

YOUR MEDICARE OPTIONS

There are 7 coverage combinations that a Medicare beneficiary with Parts A & B can elect to be covered for their health care needs. See Below.

  • Original Medicare (Part A and/or Part B) alone

  • Original Medicare (Part A and/or Part B)
    PLUS a stand alone prescription drug plan (Part D)

  • Original Medicare (Part A and/or Part B)
    PLUS a standalone prescription drug plan (Part D)
    PLUS a Medicare Supplement (Medigap) plan

  • Original Medicare (Part A and/or Part B)
    PLUS a Medicare Supplement (Medigap) plan

  • Medicare Advantage plan (Part C) with prescription drug coverage (Part D)

  • Medicare Advantage plan (Part C) without prescription drug coverage (Part D)

  • Medicare Advantage Private Fee-for-Service plan without drug coverage (Part C) OR a Medicare Savings Account (MSA) plan
    PLUS a standalone prescription drug plan (Part D)

We help our eligible clients enroll into additional extra help programs to help subsidize their premiums, co-pays & deductibles… Find out if you qualify. Call us today!

Want help finding the right Medicare coverage?

 

888-723-7341


 

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We help our eligible clients enroll into additional extra help programs to help
subsidize their premiums, co-pays & deductibles….Find out if you qualify.

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