Medicare
Medicare is the federal government health insurance program that provides health care coverage if you are 65 or older, are under 65 and receive Social Security Disability Insurance (SSDI) for 24 months, begin receiving SSDI due to ALS/Lou Gehrig’s Disease, or have End-Stage Renal Disease (ESRD) no matter your age. You can receive health coverage directly through the federal government or through a private company.
What are the parts of Medicare?
Part A: Also known as hospital insurance, is the part of Medicare that covers most medically necessary hospital inpatient care, skilled nursing facility (SNF) care, home health care, and hospice care.
Part B: Also known as medical insurance, is the part of Medicare that covers most medically necessary doctors’ services, preventive care, hospital outpatient care, durable medical equipment (DME), laboratory tests, x-rays, mental health services, and some home health care and ambulance services.
Part C: Also known as Part C, Medicare Private Health Plan, or Medicare Managed Care Plan, allows you to get Medicare coverage from a private health plan that contracts with the federal government. All Medicare Advantage Plans must offer at least the same benefits as Original Medicare (Part A and Part B), but can do so with different rules, costs, and coverage restrictions. Plans typically offer Part D drug coverage as part of Medicare Advantage benefits. Medicare Advantage Plans include Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), Private Fee-for-Service (PFFS) plans, Special Needs Plans (SNPs), and Medicare Medical Savings Accounts (MSAs).
Part D: Also known as the Medicare prescription drug benefit, is the part of Medicare that provides prescription drug coverage. Part D is offered through private companies either as a stand-alone plan, for those enrolled in Original Medicare, or as a set of benefits included with a Medicare Advantage Plan.
What are the different types of Medicare Plans available?
Also known as Traditional Medicare, is the fee-for-service health insurance program offered through the federal government, which pays providers directly for the services you receive. Almost all doctors and hospitals in the U.S. accept Original Medicare. Everyone who enrolls in Medicare receives a red, white, and blue Medicare card. It lists your name and the dates that your Original Medicare hospital insurance (Part A) and medical insurance (Part B) began. It also shows your Medicare number, which serves as an identification number in the Medicare system. If you get Medicare through the Railroad Retirement Board, your card will say “Railroad Retirement Board” at the bottom. If you are enrolled in a Medicare Advantage Plan, you will also have a card from that plan.
Sometimes used to refer to Medicare Advantage Plans that may or may not include prescription drug coverage. These plans are sometimes also called MAPDs or Part C.
Medicare advantage plans are administered by private insurance carriers.
This is a supplemental health insurance policy that is sold by private insurance companies and works only with Original Medicare. Medigaps pay part or all of certain remaining costs after Original Medicare pays first. Depending on where you live and when you become eligible for Medicare, you have up to 10 different Medigap policies to choose from, each with a different set of standardized benefits.
A stand-alone plan that offers Medicare prescription drug coverage (Part D) through a private insurance company. PDPs work with Original Medicare, Medical Savings Account (MSA) plans, Cost Plans, and Private Fee-For-Service (PFFS) plans without drug coverage.
What is the right plan for me?
We will review with you the providers you see including dental, eye, and clinics you use, the prescription drugs you take, and other needs you may feel are important to you such as travel to second home, other benefits like over the counter, hearing, care management for chronic illnesses, being possibly Medicaid-eligible or VA eligibility for Veterans and prepare no-cost recommendations that we will come back to you with. These recommendations will include additional options for you such as stand alone Dental, Vision, Supplemental Benefits (Accident, Hospitalization, Cancer/Critical Illness or Home Health Care)
"Not available in every state, please speak with one of Family Member Licensed Insurance Agents for more information."
How do I get started and begin my Paneless Enrollment Process?
Complete these two quick forms, takes less than a few minutes and one of our Family Member Licensed Sales Agents will contact you to help answer your questions and set a time to meet you at your home, over the phone, on a virtual call like Zoom, or somewhere in your community such as a library, coffee shop or gathering place convenient for you.