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Medicare

Get the most out of your Medicare Plan

Insurance policies can help you in many ways, protecting your family financially while also providing opportunities to build wealth. Your agent will work to understand your financial situation and help you design personalized solutions to protect and prosper.

Health Insurance

Medicare Made Easy

Confused about your Medicare options? We’re here to help you understand your coverage choices, from Original Medicare to Medicare Advantage plans. Our experts will work with you to find a plan that fits your needs and budget, ensuring you get the care you deserve.

With the right Medicare Plan you may qualified for other benefits

Whether you’re starting out on your own, approaching retirement, or somewhere in between, we provide guidance that adapts to your financial circumstances.

Health Coverage for Seniors

Medicare provides comprehensive health insurance for U.S. citizens aged 65 and older, ensuring they have access to medical care as they age.

Coverage for Disabilities

Medicare also covers people under 65 with qualifying disabilities, offering health care to those who may not otherwise be eligible for other insurance.

Affordable Prescription Drugs

Through Medicare Part D, beneficiaries can access prescription drug coverage, which helps manage the costs of medications and makes them more affordable.

Comprehensive Coverage Options

Medicare has different parts (A, B, C, D) that cover a variety of health services, including hospital care, outpatient services, and additional health plans like Medicare Advantage.

Telemedicine Access

Medicare now covers telehealth services, allowing beneficiaries to access health care remotely, which is especially important for those living in rural areas or with mobility issues.

Mental Health Coverage

Medicare provides coverage for mental health services, including inpatient psychiatric care, outpatient therapy, counseling, and substance use disorder treatment, supporting overall well-being.

Common questions about Medicare

  • Medicare is divided into four parts:

    • Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care.

    • Part B (Medical Insurance): Covers outpatient services, doctor visits, preventive care, and medically necessary services.

    • Part C (Medicare Advantage): A private insurance plan that combines coverage from Part A and Part B, often including additional benefits like prescription drug coverage, dental, and vision care.

    • Part D (Prescription Drug Coverage): Provides coverage for prescription medications through private insurance companies.

  • You can qualify for Medicare if you:

    • Are 65 or older and a U.S. citizen or legal resident.

    • Have been receiving Social Security or Railroad Retirement Board (RRB) benefits for at least 4 months.

    • Are under 65 but have certain disabilities or conditions like ESRD or ALS.

    • Part A: Most people don’t pay a premium for Part A because they or their spouse paid Medicare taxes while working.

    • Part B: Part B usually requires a monthly premium, which is based on income.

    • Part C (Medicare Advantage): This may have an additional premium on top of Part B, but it may cover more services.

    • Part D: There is generally a premium for Part D, and the cost can vary depending on the plan.

    • Initial Enrollment Period (IEP): You can enroll when you first become eligible, typically around your 65th birthday. The IEP lasts seven months—three months before your birthday, the month of your birthday, and three months after.

    • General Enrollment Period (GEP): If you missed your IEP, you can enroll between January 1 and March 31 each year, but coverage won't start until July 1, and you may face late enrollment penalties.

    • Special Enrollment Period (SEP): If you're covered by an employer's health plan or a union plan, you may be able to delay enrolling in Medicare without penalty. An SEP is also available for certain life events, such as moving or losing other health coverage.

    • Part A: Covers inpatient hospital care, skilled nursing facility care, hospice, and some home health services.

    • Part B: Covers outpatient care, doctor visits, lab tests, medical equipment, preventive services (like vaccines), and some home health services.

    • Part C (Medicare Advantage): Offers additional benefits like prescription drugs, dental, vision, and wellness programs.

    • Part D: Helps cover prescription drug costs, with varying levels of coverage depending on the plan.

  • Yes, you can have both Medicare and employer insurance. In most cases, Medicare becomes the secondary payer if you are still working and have employer-based health insurance. However, your employer’s insurance may require you to enroll in Medicare when you become eligible, especially if they have 20 or more employees. It's important to review your options to understand how both insurances work together and avoid penalties.

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