MEDICARE PLANS
The peace of mind from having Comprehensive Health Care Coverage
gETTING THE COVERAGE YOU DESERVE
If you are looking for budgeting your medical costs, see any doctor or specialists with no referrals and according to the plan, no co-pays or deductibles, then you need a Medicare Supplement. A Medicare supplement is secondary private insurance designed to cover the gaps in Medicare. A Medicare Supplement is a federally standardized Medigap plan offered in all states. The Medicare supplement will cover the healthcare services and supplies after original Medicare. For reliable up-front coverage that you can depend on.
Let us help you understand how a Medicare supplement works by explaining basic Original Medicare first.
Going back to Basics
How do I sign up for Medicare?
1. When already collecting Social Security.
- Your enrollment is automatic, and the card arrives in the mail.
2. When not collecting Social Security.
- Our National Social Security Advisor can sign you up by appointment in the comfort of our office.
- You can personally visit the local Social Security office.
- You can enroll by calling Social Security at 1800-772-1213.
- Sign up on line at SSA.gov
How does Medicare work?
Part A Hospital Care
Premium Free
- First 60 days of hospital stay Medicare pays all but $1,632
- The first 20 days of skilled nursing facility care are covered 100%
- Hospice care
Part B Medical Services
$174.70 monthly premium *
Annual Deductible $240
1. Covers 80% of Medicare Approved services
2. Medical Expenses such as physician’s services, surgical services and supplies, diagnostic tests, durable medical equipment.
*It can be higher depending on income levels
Part D Prescription Drug Plan
Premium according to Insurance Plan*
Annual Deductible $545.
- Prices vary by county, depending on the plan.
- Co-pays apply depending on the plan.
1. Coverage Gap begins when you and your drug plan spent $5,030.
- Tiers 1 and 2 don’t count towards the deductible
- Tiers 3,4,5 have higher co-pays depending on the plan.
2. Catastrophic coverage begins after you have spent $8,000.
Have Questions?
The decisions you make can impact your health care coverage for a long time and in some cases, permanently. Let us help you find a plan that meets your expectations.
Call us to have an experienced agent guide you through this confusing process.
Representing
