Insurance for Seniors / Medicare

What is Medicare?

Please call our office for a full Medicare review to learn which plan is right for you.

Medicare is a Health Insurance Program Sponsored by the federal government for:

• People age 65 or older
• People under 65 with certain disabilities
• People of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant)

Medicare has Four Parts: A, B, C, D:

• Medicare Part A (Hospital Insurance)
  Helps pay for inpatient care in a hospital or skilled nursing facility (following a hospital stays), some home health care and hospice care. Most people don't have to pay for Part A.
• Medicare Part B (Medical Insurance)
  Helps pay for doctors' services and many other medical services plus supplies that are not covered by hospital insurance. Most people pay monthly for Part B (usually around $96.40 per month. Some pay more based on income).?(Part A and Part B are often referred to as "Original Medicare".)
• Medicare Part C (Medicare Advantage)
  Provided by private insurance companies as a replacement of Part A and Part B. People with Medicare Parts A and B can choose to receive all of their health care services through one of these provider organizations instead of through Medicare. Part C plans are available in many but not all areas. All people pay monthly for Part C. This payment is in addition to the monthly premium paid for Part B.
• Medicare Part D (Prescription Drug Coverage)
  Provided by private companies to help pay for prescriptions, which are not covered by Original Medicare. Part D is available to everyone with Medicare. All people pay monthly for Part D. This payment is in addition to the monthly premium paid for Part B.
• Medigaps or Supplemental Policies
  As a supplement to Medicare, many choose to buy a “medigap” policy  - also known as “medicare supplemental” policies. These are offered by private insurance companies. Please call our office for a full review to see which plan is right for you.