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.