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Medicare Insurance Options
Get additional coverage for expenses not covered by original Medicare, such as co-payments and deductibles.
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Medicare supplement insurance is an important consideration for anyone enrolled in Medicare who wants additional coverage for out-of-pocket expenses not covered by Medicare. It’s designed to help with gaps in coverage and can provide financial protection in the event of unexpected medical expenses. We'll help you evaluate your need for additional health coverage past what original Medicare provides.
Medicare Advantage, also known as Medicare Part C, is an alternative to traditional Medicare (Parts A and B). It is offered by private insurance companies that are approved by Medicare. These plans cover everything that Original Medicare covers, and often include additional benefits like vision, dental, hearing, and prescription drug coverage (similar to Medicare Part D). Here’s an overview of Medicare Advantage:
1. Types of Plans: Medicare Advantage plans typically include Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), Private Fee-for-Service Plans (PFFS), and Special Needs Plans (SNPs). Each type offers different levels of flexibility with healthcare providers and costs.
2. Coverage: These plans must cover all services that Original Medicare covers, except for hospice care (which is still covered by Original Medicare). In addition, many Medicare Advantage plans offer extra benefits such as routine dental, vision, and hearing care, and some include fitness programs or wellness services.
3. Costs: Premiums for Medicare Advantage plans vary, and enrollees must continue paying their Medicare Part B premium. Out-of-pocket costs (like copays or coinsurance) vary by plan, and there may be annual out-of-pocket limits.
4. Networks: Many Medicare Advantage plans operate within specific networks of doctors and hospitals. It’s important to check whether preferred healthcare providers are included in the plan's network.
5. Prescription Drugs: Most Medicare Advantage plans include prescription drug coverage, often comparable to standalone Medicare Part D plans.
Would you like to know more about specific Medicare Advantage plans, or how to compare them to other Medicare options? Call us today!
Medicare Advantage, also known as Medicare Part C, is an alternative to traditional Medicare (Parts A and B). It is offered by private insurance companies that are approved by Medicare. These plans cover everything that Original Medicare covers, and often include additional benefits like vision, dental, hearing, and prescription drug coverage (similar to Medicare Part D). Here’s an overview of Medicare Advantage:
1. Types of Plans: Medicare Advantage plans typically include Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), Private Fee-for-Service Plans (PFFS), and Special Needs Plans (SNPs). Each type offers different levels of flexibility with healthcare providers and costs.
2. Coverage: These plans must cover all services that Original Medicare covers, except for hospice care (which is still covered by Original Medicare). In addition, many Medicare Advantage plans offer extra benefits such as routine dental, vision, and hearing care, and some include fitness programs or wellness services.
3. Costs: Premiums for Medicare Advantage plans vary, and enrollees must continue paying their Medicare Part B premium. Out-of-pocket costs (like copays or coinsurance) vary by plan, and there may be annual out-of-pocket limits.
4. Networks: Many Medicare Advantage plans operate within specific networks of doctors and hospitals. It’s important to check whether preferred healthcare providers are included in the plan's network.
5. Prescription Drugs: Most Medicare Advantage plans include prescription drug coverage, often comparable to standalone Medicare Part D plans.
Would you like to know more about specific Medicare Advantage plans, or how to compare them to other Medicare options? Call us today!
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