I currently have Medicare and a Medigap Plan or a Medicare Advantage Health Plan

Whether you have Original Medicare with a Part D Prescription Drug Plan, a Medigap (Medicare Supplement) Plan with/without a Part D Prescription Drug Plan, or a Medicare Advantage health plan, navigating the many insurance companies and their options every year can be exhausting. Evaluating your options every year to assure you are in the correct plan is your right, and a task you should be doing.

Through years of working with insurance agents, helping Medicare clients, and studying the Medicare landscape, we are able to evaluate our clients Medicare health plans and advise them of the options best suited for their unique needs. Since Insurance Simplified works with a wide variety of the top-quality insurance products available, we can help our clients confirm they are in the correct plan, or help get them into the right one. At Insurance Simplified we believe it is never to early to evaluate your coverage options.

Discussing options available to each person can open doors of options you were not aware existed. We have prepared some information about the choices a Medicare consumer has to pick from, as well as the costs associated with Medicare. Call us today to schedule your FREE plan review consultation.

What are my options for Medicare Health Plans?

Adding additional coverage to Original Medicare (Parts A and B) helps to provide Prescription Drug Coverage and lessen or eliminate your out-of-pocket responsibility with Medicare. Traditionally you have 2 options for types of coverage you can choose from: Medicare Advantage Health Plans or Medicare Supplement Plans also referred to as Medigap Plans with a Part D Prescription Drug Plan.

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How much will Medicare cost me?

Medicare is NOT FREE. Medicare does have a cost for Part A and Part B. Traditionally consumers receive Part A for $0 as long as they have worked 10 years, 40 quarters, paying into their Medicare Taxes. Part B is the part of Medicare everyone pays for. The amount someone pays for Part B depends upon income on their tax returns from 2 years prior.

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What does Medicare cover?

Medicare, Original Medicare Parts A and B, helps consumers cover some of their costs revolving around Hospital and Medical. Part A, commonly referred to as Hospital Coverage, generally helps consumers with costs pertaining to In-patient Hospitalization, Skilled Nursing Facility Care, Home Health Care, and Hospice. Part B, commonly referred to as Medical Coverage, generally helps consumers with their Medical Costs. Things such as doctor office visits, lab work, imaging, therapy, urgent care, and durable medical equipment are all items covered with Part B. Medicare DOES NOT COVER Part D, Prescription Drug Plans. Medicare also does not provide coverage for Long Term Care / Custodial Care.

Resources for You

– Medicare and you guide: https://www.medicare.gov/Pubs/pdf/10050-Medicare-and-You.pdf

– Choosing a Medigap policy (2020): https://www.medicare.gov/Pubs/pdf/02110-medicare-medigap-guide.pdf

–  Understanding the Medicare Premium Bill: https://www.medicare.gov/sites/default/files/2018-07/11659-understanding-cms-500.pdf

Insurance Simplified for Medicare

Neither Insurance Simplified, nor any of its agents or employees are connected with the federal Medicare program. This is an advertisement for insurance.

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