So you're ready for Medicare... What's next?

 Medicare is our country's health insurance  program for: 

■ People age 65 or older 

■ Under age 65 with certain disabilities 

■ Anyone with End-Stage Renal Disease.

Medicare has different parts: 

Part A - Hospital Coverage

Part B - Medical Coverage

Part C - Medicare Advantage

Part D- Prescription Drug Coverage

Medicare Part A and Part B are known as Original Medicare. 

Part A- usually provided at no cost.

Part B standard premium is $144.60/mo. Those with higher income pay more for Part B (Medical) and Part D (Prescription Drug) coverage.  

If you're turning 65 soon and haven't started Social Security Income, please call the Social Security Administration (SSA) at 

1-800-772-1213 to enroll in Medicare or enroll in Medicare online at: 

 https://www.ssa.gov/benefits/medicare/

Those with only Part A that want to add Part B must call SSA -  1-800-772-1213.

These "supplemental" plans provide secondary coverage to Original Medicare. 

Plans may pay all or part of the hospital deductible, copays and the 20% of medical expenses remaining after Medicare pays. 

Medicare pays first, the plan pays second. 

Since these plans help plug the financial "gaps" in Original Medicare Parts A & B, they are also known as Medigap plans. 

Medigap Plan G and Plan N are popular and provide good financial protection. Other letter plans are available. 

Original Medicare allows the use of any provider who accepts Medicare patients. No networks, no referrals. Easy! 

In addition to a Medicare Supplement, you'll need to buy a (Part D) Prescription Drug Plan for prescription coverage. 

Dental & Vision plans may also be purchased separately. 

We offer plans from major brands.

Please call for quotes for other plans.

With Medicare Advantage (Part C) Plans  you get your Medicare benefits from the Medicare health plan you choose. 

Plans may provide hospital, medical and prescription drug coverage all-in-one plan and may include additional coverage for routine physicals, eye exams, eyewear,  hearing exams, fitness benefits, dental services and more. Benefits vary by plan. 

For each health care service, you pay a copay or a part of the cost. Each plan has a limit to the amount you pay for covered hospital and medical expenses. 

Medicare Advantage plans may be available with no monthly plan premium above your Medicare Part B cost or may have a small plan premium. 

Most plans include a network of providers that must be used to get care under the plan. Some plans require referrals, some don't. Some plans allow more flexibility and may offer coverage from providers 

in-network and out-of-network. 

We offer plans from major brands. 

Self-service shopping COMING SOON.

Please call for plans and quotes.

Original Medicare does not provide routine vision or dental coverage. Medicare Advantage plans may offer these benefits as part of the plan or you may buy it separately.  

We offer dental insurance plans and dental discount plans. Our PPO dental plans offer large provider networks and the ability to use any dentist you want. 

 Add vision to your dental plan or choose only a vision plan. 

Medicare Prescription Drug benefits may be included as part of a Medicare Advantage health plan or may be purchased separately. Those with a Medicare Supplement plan would need to add a separate Part D drug plan. 

We offer many Part D plans.

Self-service shopping COMING SOON.

Please call for plans and quotes.

Medicare Advantage Plans normally require copays for inpatient hospitalizations, hospital observation days and ambulance rides. A low-cost Hospital Indemnity plan can to help reimburse you for these out-of-pocket expenses. 

Please call for more information. 

Original Medicare does not cover 

Long-Term Care expenses. 

Long-Term Care insurance may be purchased to help cover long-term care related expenses:

Residential care, Facility care, Assisted Living or Home Health Aides. 

Some Medicare beneficiaries get this coverage through the state Medicaid program, but must spend-down assets. 

Please call for more information. 

Original Medicare provides coverage for  medical services provided at home from medical-trained individuals. 

We offer plans to provide coverage for up to 1-year for Home Health Aides, Homemaker Services and Convalescent Care which are not covered by Medicare. These plans are less expensive and easier to qualify for than Long-Term care. 

Please call for more information.