Our Medicare Plans

Who is eligible for Medicare?

1. A person who is turning 65
2. A person under 65, who has been on Social Security Disability for 24 months.
3. A person 65 years or older who has continued to work for their employer, and now wishes to retire. 
   

What are the parts of Medicare?

Part A of Medicare is hospital insurance. Part A Insurance is usually free as long as you are a U.S. Citizen who has worked for 10 years or 40 quarters.

1. Helps to cover inpatient care in the hospital
2. Helps to cover skilled nursing facilities, hospice, and home health care.

Part B of Medicare is Medical Insurance. 

1. It helps cover doctor's services and outpatient care.
2. The standard rate in 2023 for Part B Insurance is $164.90 a month. 

Part C of Medicare is Medicare Advantage plans. Medicare Advantage plans offer coverage for seniors administered by private insurance companies that are approved by medicare. 

1. Medicare Advantage plans include Both Part A and Part B benefits. They provide additional benefits such as Part D Prescription Drug coverage, Vision, Hearing, and Dental.
2. Medicare Advantage plans are available in PPOs and HMOs.
3. Medicare Advantage plans to cover in-network medical expenses with a co-pay. Normally, you do not have to meet a deductible/coinsurance.

Part D of Medicare is Prescription Drug Coverage. Part-D prescription drug plans are available helps through private insurance companies approved by Medicare. 

1. Helps cover the cost of outpatient prescription drugs
2. Most Insurance companies offer 3 types of Part-D plans. 

       *Basic, Value, and preferred.