Medicare

Medicare Plans Change Every Year

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What you need to know!

Medicare is the United States government health insurance program for people 65 and older. Some people under age 65 may also be eligible for Medicare, including those with disabilities, permanent kidney failure, or amyotrophic lateral sclerosis.

Medicare helps with the cost of health care, but it doesn’t cover all medical expenses or the cost of most long-term care. The program has four parts

Part A is hospital insurance.

Part B helps pay for medical services that Part A doesn’t cover.

Part C is called Medicare Advantage. If you have Parts A and B, you can select this option to receive all health care through a provider organization, such as an HMO.

Part D is prescription drug coverage. Help pay for some medicines.

Medicare Advantage Plans

Also known as Medicare Part C, is an alternative to Original Medicare(Medicare Part A and Part B). Private insurance companies offer these plans and provide the same benefits as Original Medicare, but often with additional coverage and lower out-of-pocket costs.

Key Features of Medicare Advantage Plans

✅Coverage for services not covered by Original Medicare, such as vision, hearing, and dental.

✅Lower out-of-pocket costs for things like deductibles and copays.

✅The option to choose a plan that includes prescription drug coverage.

Supplemental Medicare Plans

Also known as Medigap plans, are insurance policies that are sold by private companies to fill the gaps in coverage in Original Medicare( Medicare PArt A and Part B)

Key Features of Supplemental Medicare Plans

✅Coverage for things not covered by Original Medicare, such as copayments, coinsurance, and deductibles.

✅Coverage for foreign travel emergency health care.

✅Coverage for Medicare’s out-of-pocket costs, such as the Part A hospital deductible.

✅Guaranteed acceptance and standardized benefits.

✅DOCTOR’S CHOICE

Select your own doctors and hospitals, as long as they accept medicare patients.

✅ACCESS

See specialists without referrals or claim forms to file.

✅FREEDOM

Your coverage covers you when traveling anywhere in the U.S.

✅GUARANTEED

Life coverage. Automatically yearly renewals as long as you pay your premiums when due and you don´t make any material misrepresentation when you apply for this plan.