Medicare is a Federal health insurance program typically for U.S. citizens age 65 or older. Original, or Traditional Medicare is broken into two parts, Part A and Part B. In addition there are also Parts C and D.
Part A covers medically necessary healthcare expenses incured in a hospital, skilled nursing facilities, hospice care facility and under some circumstances while receiving home healthcare services.
Part B covers medically necessary incured while receiving outpatient care, such as medical supplies, x-rays, laboratory tests, mental health care, preventive services, and some types of home health care.
Part C applies to Medicare Advantage Plans. Under Part C your Part A and Part B benefits are administered through a private insurance company.
Part D applies to Prescription Drug Plans, also know as PDP Plans.
There are various rules regarding how all of these Parts work together. On this page you will find the specific information you need to make sure these rules are being followed. You will also find information on how to compare the different types of coverage along with need to know information about supplementing your coverage benefits.
If at anytime you may contact one of our licensed advisors. They’re standing by and always ready to help.
At its core, Medicare is a basic health-insurance program provided by the federal government. Most Medicare recipients are seniors-people 65 or older. However, people with certain disabilities or illnesses can also qualify regardless of age. Because Medicare is administered by the federal government, there are no state-by-state eligibility requirements , although some benefits may vary depending on where you live.
The Annual Enrollment Period is the best time to check your current coverage against the competition. Any 2017 changes to your plan, such as rate increases, benefit reductions, and loss of specific drug coverage will be locked in when it’s over. Get a free no-obligation policy checkup.
The Medicare Premium Increase in 2017 could be substantial when announced on October 1st. Projections have some seniors seeing increases as high as 22% on their Part B Premium. It is estimated 1 in 3 seniors could pay as much as $149 a month. There is also a reported increase of the Medicare Part B Deductible from $166 to $204.
Think you know Medicare? Take the Medicare Quiz and find out were you really stand. These 10 questions will test your knowledge of Medicare and your options.
After six months of opening our doors we are expanding with a national television campaign. Doug Llewelyn, who you might remember from the People’s Court will be our spokesman.
Congratulations! Turning 65 is a milestone. You’ve worked hard and hopefully saved enough for retirement. Either way, this is the time to make some necessary decisions regarding your healthcare and finances. The following is a turning 65 checklist to help guide you through this critical period.
Soon your favorite Medicare Supplement Plan F will no longer be available. Congress has passed legislation that prevents companies from covering the Part B Deductible starting January 1, 2020, making Plans C and F obsolete.
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