Medicare Supplement • Part D Prescription Plans • Medicare Advantage

Senior-Couple-On-Bicycles

Medicare Plans

There are two main ways to get your Medicare coverage: Original Medicare or a Medicare Advantage Plan.

Original Medicare is comprised of Part A (Hospital Insurance) and Part B (Medical Insurance). To help pay for benefits and costs not covered under Original Medicare, many people choose to purchase a Medicare Supplement Insurance (Medigap) policy through a private insurance carrier. Medicare Supplement plans can cost more in premiums, but then very low or even zero out of pocket expenses for covered benefits. There are no provider networks, and you can go to any provider who accepts Medicare assignment (meaning your doctor, provider, or supplier agrees or is required by law to accept the Medicare-approved amount as full payment for covered services). For prescription coverage, you will also need to purchase a Part D (Prescription Drug Coverage) plan.

 

Please Contact Us for a personal Medicare consultation. (253) 661-8978

Another option is to purchase a Medicare Advantage Plan Part C (like an HMO or PPO) which combines Part A, Part B, and usually Part D. Medicare Advantage plans offer health plan options run by Medicare-approved private insurance companies, and are a way to get the benefits and services covered under Part A and Part B. Most Medicare Advantage Plans cover Medicare prescription drug coverage (Part D). Some Medicare Advantage Plans may include extra benefits (like vision, dental, and hearing services) for an extra cost.

Senior-couple-having-fun