Learn about Medicare
Learn About Medicare
Navigating Through Medicare
Medicare Basics
Learn about the different parts of Medicare, to understand the basics of how it works. Looking for a trusted Medicare agent, give us a call!
Your Coverage Choices
If you’re 65 or older and eligible for Medicare, you have multiple healthcare coverage options. Explore what is offered by our health plan partners.
Annual Health Assessment
An Annual Health Assessment focuses on preventative care, health screenings, and planning for your well-being. Schedule yours today.
Medicare Events
Our licensed partners break down the essentials and help you navigate your Medicare coverage options. In-person and virtual available.
Your Medicare options
When you first sign up for Medicare and during certain times of the year, you can choose which way to get your Medicare coverage.
There are 2 main ways:
Original Medicare and Medicare Advantage.
Original Medicare
- Original Medicare includes Part A and Part B.
You can join a separate Medicare drug plan to get Medicare drug coverage (Part D).
To help pay your out-of-pocket costs in Original Medicare (like your 20% coinsurance), you can also buy supplemental coverage, like Medicare Supplement Insurance (Medigap), or have coverage from a former employer or union, or Medicaid. -Medicare.gov.
Part A (Hospital Insurance)
Helps cover the following:
Inpatient care in hospitals (such as critical access hospitals, inpatient rehabilitation facilities, and long-term care hospitals)
Inpatient care in a skilled nursing facility
Hospice Care
- Home Health Care Services
If you already receive benefits from Social Security or the Railroad Retirement Board (RRB), your Medicare Part A coverage will automatically start as soon as you qualify. If you aren’t getting Social Security benefits (for example, if you’re still working), you may need to sign yourself up for Part A, even if you are eligible to receive Part A at no cost.
Part B (Medical Insurance)
Helps cover a range of outpatient services:
Visits to your physician’s office
Specialist office visits
Preventive care like flu shots and mammograms
Lab costs, such as blood work and X-rays
Wheelchairs, walkers, and other medical equipment
Physical therapy
Mental health care
Ambulance services
A “Welcome to Medicare” visit (a routine physical that happens within a year of your sign-up for Part B)
Annual Health Assessments in the following years
Part D (Drug coverage)
Helps cover the cost of prescription drugs (including many recommended shots or vaccines).
You join a Medicare drug plan in addition to Original Medicare (Part A and Part B), or you get it by joining a Medicare Advantage Plan with drug coverage.
Plans that offer Medicare drug coverage are run by private insurance companies that follow rules set by Medicare. – medicare.org
Medigap (Medicare Supplemental Insurance)
Extra insurance you can buy from a private company that helps pay your share of costs in Original Medicare.
Policies are standardized and in most states named by letters, like Plan G or Plan K.
The benefits in each lettered plan are the same, no matter which insurance company sells it. -medicare.gov
Medicare Part C (Medicare Advantage)
Medicare Advantage is a Medicare-approved plan from a private company that offers an alternative to Original Medicare for your health and drug coverage. These all-in-one plans include Part A, Part B, and usually Part D.
- Plans may have lower out-of-pocket costs than Original Medicare.
- Plans may offer some extra benefits that Original Medicare doesn’t cover — like vision, hearing, and dental services.
For more information you can visit www.medicare.gov
If you would like information on licensed Medicare brokers feel free to reach out to our customer service team at 1-800-445-5747.
