MEDICARE
Medicare has four parts, and understanding how they fit together is the first step to choosing the right coverage. We start every conversation with Original Medicare (Parts A and B), then help you decide how to fill the gaps, whether that’s a Medicare Advantage plan, a Part D prescription drug plan, a Medicare Supplement (Medigap) policy, or a combination.
Want to learn the basics first? Sign up for a no-pressure Medicare 101 meeting. It’s best to know what type of plan you want before shopping for specific options.
Part A: Hospital Insurance
Part of Original Medicare. Helps cover inpatient hospital stays, skilled nursing facility care, hospice and some home health care. Most people don’t pay a monthly premium for Part A.
Part B: Medical Insurance
The other half of Original Medicare. Helps cover doctor visits, outpatient care, preventive services, lab work and medical equipment. Parts A and B are where we start with every client.
Part C: Medicare Advantage
An all-in-one alternative to Original Medicare offered by private insurers. Many plans bundle hospital, medical and prescription drug coverage, and often include dental, vision and hearing benefits.
Part D: Prescription Drug Coverage
Helps pay for prescription medications and is added to Original Medicare. Before you choose a plan, we’ll check that your medications and doctors are covered.
Medigap: Medicare Supplement
Medigap is private insurance that supplements Original Medicare by helping pay out-of-pocket costs such as deductibles, copayments, and coinsurance that Medicare doesn’t fully cover.
LET’S GET STARTED
Tell us a little about what you’re looking for and we’ll reach out.