Medicare is pretty black and white about what they do and do not cover. Many will find it surprising that services like long-term care and prescription drugs are not covered. These can often be the biggest expenses that one may face when on Medicare, and that’s largely the reason you won’t find them … [Read more...] about What Medicare Doesn’t Cover
Part D plans are the part of Medicare that provides coverage for prescription drugs. To sign up for a Part D plan, you need to be enrolled in Part A and/or Part B. Signing up for Part D coverage is optional, but if you don’t sign up when first eligible or if you don’t already have “creditable” … [Read more...] about What is Medicare Part D?
With a Medicare Advantage Plan (Part C), you are getting four things: Low to no co-pays for many Medicare Services.Network restrictions.Low to no premium.Coverage for services excluded under original Medicare A Medicare Advantage Plan is simply a Medicare approved private insurance company … [Read more...] about What Is Medicare Advantage (Part C)?
Medicare Supplements – also known as Medigap – have been around for about as long as Medicare has. Since you have shares of cost with Original Medicare like 20% for most medical services, supplemental policies were created to cover those expenses for you. Many individuals that are “New to Medicare” … [Read more...] about What is a Medicare Supplement Plan (Medigap)?
Original Medicare is the red, white, and blue card that Part A and/or Part B. Original Medicare is managed by the federal government and provides Medicare eligible individuals with coverage for and access to doctors, hospitals, or other health care providers who accepts Medicare (which is … [Read more...] about What does Medicare cover?
Whether you are new to Medicare or have been on it for a while, it’s likely you’ve never had your options laid out before you as a simple set of choices. Our goal here is for you to leave knowing the basic choices available to you when you have Original Medicare. To be clear, this will only outline … [Read more...] about Original Medicare: What Are My Options
If you are retiring and have employer coverage, then Medicare may or may not be beneficial for you. It’s going to depend on how much your coverage costs, how long you can keep it, and if you have a spouse or dependent that relies on your employer coverage. When on employer coverage, the first … [Read more...] about Medicare and Employer Coverage
A Medicare insurance broker is an independent agent who should give you an unbiased opinion based on your Medicare plan options. Because they are appointed with many different insurance companies, they are able to find the right fit for your specific needs and budget. You pay … [Read more...] about How Does a Medicare Broker Get Paid?
October brings out trick-or-treaters for Halloween, but also for Medicare Annual Enrollment Period. While finding the right healthcare plan can be a bit of a treat, you need to be on the lookout during this season for those hoping to trick you. Every year scammers utilize the annual enrollment … [Read more...] about Avoiding Medicare Scams