Qualify for Medicare? Discover the benefits offered and how you can best use your Medicare Benefits package.
If you’re 65 years or older or have disabilities that further qualify you for government funded Medicare Health Benefits, we’re here to help. Let us find you a competitive plan, that is customized to your healthcare needs. These programs typically provide coverage for a range of medical services, including doctor visits, hospital stays, prescription medications, and preventive care.
When eligible (age 65) you will want to buy Part A (hospital/hospice/nursing home insurance), after already signing up for Part B (medical insurance), you cannot buy Part A alone. If you get Part A premium free, you can choose whether to enroll in Part B. Your rate will be determined on how much has been paid into Medicare taxes. Medicare Part D (prescription drug coverage) is also available at this time.
Medicare Advantage, also known as Medicare Part C, is a health insurance option provided by private companies approved by Medicare. It combines the benefits of Original Medicare, such as hospital and medical insurance, with additional coverage such as prescription drugs, dental, vision, and hearing services. Medicare Advantage plans often include network restrictions, meaning beneficiaries must seek care from healthcare providers within the plan’s network to receive full coverage. In exchange, these plans typically have lower out-of-pocket costs and offer additional benefits not covered by Original Medicare.
Medicare Prescription Drug Plans, also known as Medicare Part D, are optional prescription drug plans offered by private insurance companies approved by Medicare. They help cover the cost of prescription medications for Medicare beneficiaries. Beneficiaries can choose to enroll in a standalone Part D plan or a Medicare Advantage plan that includes Part D coverage. Each plan has its own list of covered drugs and payment structure, often with a monthly premium and potentially a deductible. The coverage gap, or “donut hole,” in Part D coverage has been gradually phased out, reducing the out-of-pocket costs for beneficiaries.
