Understanding Medicare

Medicare is a federal health insurance program designed for individuals who are 65 or older, certain younger individuals with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant).

There are four parts to Medicare, each covering different aspects of healthcare:

• Medicare Part A (Hospital Insurance): Covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

• Medicare Part B (Medical Insurance): Covers certain doctors' services, outpatient care, medical supplies, and preventive services.

• Medicare Part C (Medicare Advantage Plans): Offered by private companies, these plans provide all Part A and Part B services and often include extra coverage like vision, hearing, dental, and wellness programs.

• Medicare Part D (Prescription Drug Coverage): Helps cover the cost of prescription drugs, including many recommended vaccines.

What’s Covered Under Medicare?

Medicare offers a wide range of benefits, including but not limited to:

• Inpatient hospital care (Part A)

• Doctor visits, outpatient care, and preventive services (Part B)

• Prescription drugs (Part D)

• Skilled nursing facility care (Part A)

• Mental health care (Part B)

• Home health services (Part A and Part B)

• Durable medical equipment like wheelchairs and walkers (Part B)

What Medicare Does Not Cover

It’s important to know that Medicare does not cover everything. Some key things that are not covered include:

• Long-term custodial care

• Routine vision and dental care

• Hearing aids and exams for fitting them

• Cosmetic surgery

• Acupuncture

• Most prescription drugs under Original Medicare (unless you have a Part D plan)

For these gaps, many beneficiaries choose to enroll in Medicare Advantage Plans (Part C) or purchase Medicare Supplement Insurance (Medigap) for additional coverage.

Why Choose Me as Your Independent Insurance Agent?

Choosing the right Medicare plan can be overwhelming. As an independent insurance agent, I am not tied to any one insurance provider, which means I can offer you:

• Personalized Service: I work with multiple insurance carriers to find a plan that fits your unique health and financial needs.

• Expert Guidance: With up-to-date knowledge on Medicare rules and changes, I can help you navigate the options and ensure you’re covered for what matters most.

• Unbiased Recommendations: Since I’m independent, my priority is you. I’ll provide unbiased advice to help you make informed decisions.

• Ongoing Support: I’m here for you not only during enrollment but throughout the life of your policy. Whether you need help with claims, coverage questions, or plan adjustments, I’ll be there every step of the way.

When it comes to protecting your health and well-being, you deserve someone who understands your needs and puts your best interests first. Let’s find the Medicare plan that’s right for you today!