Medicare

Understand your Medicare Advantage coverage options.

Our licensed advisors are standing by to guide you through the process. Call us for clear, straightforward enrollment information.

Original Medicare: Parts A and B

Original Medicare: Parts A and B – Federal health insurance that often needs supplemental coverage.

Part A (Hospital): Inpatient care, nursing facilities, hospice, home health care.

Part B (Medical): Doctor visits, outpatient care, preventive services.

  • Monthly premiums + yearly deductibles
  • 80% coverage – you pay 20%
  • No prescription, dental, or hearing coverage
  • No yearly out-of-pocket maximum

Medicare Advantage: Part C

Private insurance that bundles Parts A & B with extra benefits like vision, dental, and hearing.

Enhanced Coverage: Combines hospital and medical insurance with additional benefits.

Extra Benefits: Often includes vision, dental, hearing, and wellness programs.

  • Annual out-of-pocket maximum for cost protection
  • Often includes Part D prescription drug coverage
  • May offer fitness benefits and over-the-counter items
  • 100% coverage after meeting your out-of-pocket limit

Stages of Coverage

1. Deductible Stage

You pay the full cost for prescriptions until meeting your plan's deductible requirement.

3. Catastrophic Coverage Stage

You pay significantly reduced amounts for medications after reaching your yearly cost limit.