Medicare

While you typically become eligible for Medicare at age 65, there are some exceptions to that rule. Our agents are well-equipped to help guide you through your Medicare eligibility and enrollment.

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Plan Features

ACA-compliant plans are robust and are required to provide coverage for the following:

  • Preventive care and wellness services, including chronic disease management
  • Pediatric services, including dental and vision care
  • Prescription drugs
  • Emergency services
  • Hospitalization
  • Outpatient services
  • Labs
  • Maternity and newborn care
  • Mental health and substance abuse services, including behavioral health treatment
  • Rehabilitative and habilitative services and devices that help you acquire, maintain or improve skill necessary for daily living

Am I eligible for Medicare?

Medicare eligibility is determined on an individual basis. For example, your spouse may be Medicare-eligible while you remain non-eligible — or vice versa. Unless you have a Medicare-eligible disability, you are non-Medicare eligible until you reach age 65, even if you retire earlier than that age.

Once you become Medicare-eligible, Medicare becomes your primary health coverage. However, basic Medicare does not cover all your medical expenses, and you may choose to enroll in supplemental coverage.

Medicare Plan Features

  • Medicare Part A – Helps pay for inpatient care in a hospital or skilled nursing facility (following a hospital stay) and some home health care and hospice care.
  • Medicare Part B – Helps pay for doctors’ services and other medical services and supplies not covered by Medicare Part A. Premiums may apply.
  • Medicare Part D – Helps pay for prescription drugs doctors prescribe for treatment. Part D is not considered part of “basic” Medicare coverage. Premiums may apply.

Any additional coverage you have will supplement what Medicare does not cover.

What is Medicare Advantage?

Medicare Advantage, also known as Medicare Part C, is an alternative to traditional Medicare. If you enroll in a traditional Medicare plan and need to see the doctor, you must receive care from a primary care doctor who has agreed to accept Medicare. But with Medicare Advantage, you are essentially part of a private health insurance plan — like the plans you would enroll in through your employer — which means you can see any in-network provider, not only those who accept Medicare. Medicare Advantage also helps take the guesswork out of enrolling in Medicare because you receive all Parts bundled together: Part A (hospital), Part B (medical) and Part D (prescription). Opting for the comprehensive Medicare Advantage plan can help lower your out-of-pocket costs, and our agents are here to walk you through the process so you can decide what works best for you.

What are Supplemental Medicare plans?

You may opt to purchase additional coverage to offset out-of-pocket medical costs that Medicare Parts A and B do not cover, like coinsurance, copays or your deductible. Our agents are familiar with the supplemental Medicare options — including Plan F, Plan G, Plans K and L, and Plan N — and can help you build a benefits package that’s right for you.