Medicare Questions? We will walk you though it.

Once you are 65 or have been disabled for 24 months, there are two ways to obtain Medicare coverage—Original Medicare (Part A and Part B) or a Medicare Advantage Plan (Part C). You might also need additional coverage, like Medicare prescription drug coverage or Medicare Supplement Insurance. 

What does Medicare Cover?

• In general, Part A covers:
  • Hospital care
  • Skilled nursing facility care
  • Nursing home care (as long as custodial care isn't the only care you need)
  • Hospice
  • Home health services
• In general, Part B covers things like:
  • Clinical research 
  • Ambulance services
  • Durable medical equipment (DME)
  • Mental health
  • Inpatient
  • Outpatient
  • Partial hospitalization
  • Getting a second opinion before surgery

What does Medicare not cover?

• Even if Medicare covers a service or item, you generally have to pay your deductible, coinsurance, and copayments.
• Long-term care (also called custodial care)
• Most dental care
• Eye exams related to prescribing glasses
• Dentures
• Cosmetic surgery 
• Acupuncture 
• Hearing aids and exams for fitting them
• Routine foot care

Medicare supplement insurance plans are available to cover Medicare approved Part A and Part B out of pocket expenses. Plan F (Fully Covered), Plan G (A Great Value for additional coverage)  & Plan N are popular plans, but there are other choices as well. 

We have partnered with several insurance carriers that offer Medicare Supplement Insurance that will bridge the gaps of your Medicare plan and cover what Original Medicare doesn’t. We also offer several Dental, Vision, and Long Term Care insurance policies to provide you the protection you might need.