Turning 65 or Confused about Medicare?
Navigating through Medicare and choosing the best plan can be complex and overwhelming. With my expertise, I’ll simplify this process for you, providing personalized guidance to understand your options clearly. From explaining the differences between Parts A, B, C, and D, to highlighting the benefits of Medigap policies, I’ll ensure you’re equipped with the knowledge to make informed decisions. Together, we’ll evaluate your health needs, financial considerations, and lifestyle preferences to find the Medicare plan that best suits you, ensuring you have comprehensive coverage without overpaying. My commitment is to be your trusted advisor, every step of the way.
Part A: Hospital
Part A in Medicare covers hospital insurance. It provides coverage for inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
Part B: Medical
Part B in Medicare covers medical insurance. This includes outpatient care, doctor services, preventive services, and medical supplies. It’s designed to complement Part A’s coverage, focusing more on the medical services and supplies needed to diagnose and treat medical conditions.
Part C: Medicare Advantage
Medicare Part C, also known as Medicare Advantage, is an alternative to Original Medicare (Parts A and B). It’s offered by private insurance companies and includes all the benefits of Parts A and B, often with additional coverage like vision, dental, and hearing. Some plans also include prescription drug coverage (Part D).
Part D: Prescription Drug
Medicare Part D covers prescription drugs. It’s available through private insurance plans to those with Medicare. This coverage helps lower the costs of prescription medications and protects against future price increases.
Medigap or Medicare Supplements
Medigap, or Medicare Supplement Insurance, is a policy provided by private companies to cover gaps in Original Medicare (Parts A and B). These gaps include co-payments, deductibles, and health care if you travel outside the U.S. Medigap policies help with costs Original Medicare doesn’t cover, offering peace of mind and potentially saving money on out-of-pocket expenses.