It’s easy to feel overwhelmed when it’s time for Medicare. Between the plans, parts, and letters, it’s easy to get confused; there’s just so much to know!
That’s why our knowledgeable staff of local, licensed insurance agents are ready to lend you their expertise. Together we can review your options and find the coverage that best fits your needs.
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Medicare Coverage
The Nuts and Bolts Of Coverage and Cost
MEDICARE PART A COVERAGE FOR 2023
HELPS COVER
- Inpatient care in hospitals
- Skilled nursing facility care
- Hospice care
- Home health care
www.medicare.gov/medicare-and-you
MEDICARE PART B COVERAGE FOR 2023
HELPS COVER
- Services from doctors and other health care providers
- Outpatient care
- Home health care
- Durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment)
- Many preventive services (like screenings, shots or vaccines, and annual “Wellness” visits)
www.medicare.gov/medicare-and-you
MEDICARE PART C
Also known as Medicare Advantage, Medicare Part C is an alternative to Original Medicare. These “bundled” plans include Part A, Part B, and usually Part D.
Plans may have lower out-of-pocket costs than Original Medicare, and in many cases you’ll have to use doctors that are in the plan’s network. Most plans offer extra benefits that Original Medicare doesn’t cover, like vision, hearing, dental, and more. Learn about Medicare Advantage.
MEDICARE PART D
Also known as Prescription Drug Coverage, Medicare Part D helps cover the cost of prescription drugs, including many recommended shots or vaccines. Plans that offer Medicare Drug coverage are run by private insurance companies that follow rules set by Medicare.
Supplemental Plans Cover The Gaps
Contact a licensed insurance agent to
find the best plan for you.
Medicare Supplements
Coverage To Fill The Gap
Original Medicare covers many health expenses, but by no means does it cover everything. Medicare Supplemental policies exist to provide for the gaps left in your coverage. These “Medigap” policies allow you to have coverage where the gaps in Original Medicare leave off.
BENEFITS CAN’T CHANGE
Don’t worry, Medicare Supplements are standardized by the government across state lines. Feel safe choosing your policy knowing it will be the same in every state, and for every carrier.
You Worked Hard For Your Retirement
Our licensed insurance agents can help you navigate your insurance needs.
AUTOMATIC
CLAIMS
In nearly every circumstance, you can breathe easy knowing that you won’t have to fill out any paperwork. Your provider will be dealing with Medicare and your Medicare Supplements directly.
DITCH THE
NETWORK
Your Medicare Supplemental policy won’t be restricted by your provider network. You can go to any doctor that accepts Medicare with confidence.
GUARANTEED
RENEWABLE
Carriers cannot drop you from your plan, as long as you pay your premium on time. You’ll remain covered.
Medicare Advantage &
Other Options
Alternative Plan Options
MEDICARE ADVANTAGE
When it’s time to enroll into Medicare, you have many options. Medicare Advantage is one such option, and while it may not be for everyone, it could be the perfect fit for you. It might be easiest to think of Medicare Advantage as “fee-for-service” insurance.
MEDICARE ADVANTAGE
(ALSO CALLED MEDICARE PART C)
- An alternative to Original Medicare
- Includes Part A, Part B, and usually Part D
- Plans may have lower out-of-pocket costs than Original Medicare
- In many cases, you’ll have to use doctors that are in the plan’s network
- Most plans offer extra benefits that Original Medicare doesn’t cover, like vision, hearing, dental, and more
MEDICARE
ADVANTAGE’S PARTS
- Medicare Advantage covers all Medicare Part A and Part B services.
- Plans often include Medicare Part D prescription drug coverage
- Premiums, copays, and deductibles vary by plan, region, and annually
- Provides a yearly limit on out-of-pocket costs for medical services
We’ve covered the important topics.
Contact a licensed insurance agent to
find the best plan for you.
Medicare FAQS
Answers at your fingertips
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Many factors come into answering this question, but where you live, whether you travel, and the kind of care you currently need, weigh heavily in the ultimate outcome. Working with a professional who knows what’s available in your area can help you determine which is better for your particular circumstances. You’ll want to take advantage of such a resource when making this decision.
Schedule an Appointment
Contact an Insurance Professional to
find the best plan for you.
Life Insurance
Protect What’s Important
No one wants to think about life insurance. It’s only natural, there’s enough on your plate without having to consider the absolute worst, but if you have someone who depends on you financially, putting the conversation off isn’t an option. Life insurance could be their lifeline in the event of a tragedy.
Often, when people think about life insurance, they assume that the only reason to get coverage is being protected from the unexpected, but life insurance can also help plan for other issues.
Extended Care Needs
Living, but needing help, can become very exhausting and expensive for the family. There are life insurance policies that can accelerate benefits and help pay for long term care services.
Pay Funeral Expenses
Since the 80’s, funeral expenses have been on the rise. Today they can easily cost upwards of $9000. Even a small life insurance policy can pay for your funeral costs so that they aren’t a burden on your loved ones.
Resolve Outstanding Debts
The passing of a loved one is one of the most trying times a person can experience, and if there are major debts to pay off, this time could also be catastrophic. Help your loved ones pay the mortgage, car loans, credit card balances, and other debts by purchasing life insurance to cover outstanding expenses.
Supplement Income
If you have a spouse or dependent who would struggle financially without your income, then you should have a life insurance policy. Supplement your loved one’s income, so that they’re financially secure even if you’re no longer around.
YOUR LEGACY
Would you rather leave your money to the bank or government, or protect it for your children, grandchildren, or a charity? A life insurance policy can guarantee your legacy is exactly as you’d like it and your family and loved ones are financially secure without you.
Ready to protect your
family’s financial future?
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Long Term Care
Insurance
Thinking Ahead
What is long term care (ltc) insurance
Are you looking for an insurance designed to pay for expenses you’ll incur if you are unable to care for yourself and need support? You should be concerned because no other insurance, including Medicare, pays for this kind of care and an unfunded Long-Term care event can ruin even the most carefully constructed financial plan. Learn more about Long Term Care insurance and why you may need it.
70% of People Over 65 will need Long Term Care*
If you’ve had a loved one who needed professional care, either from a nursing facility, assisted living center, or at home, then you may know how devastating the expenses can be. Consider these numbers:
- Over the last 20 years, the cost of Long Term Care has doubled
- After you turn 65, you have a 70% chance of requiring Long Term Care
- A 1 year stay in a facility costs $71,512 on average
- The average stay in a facility is 3 years
- Medicare, in total, pays only about 10% of Long Term Care costs
*Source: ASPE Research Brief Revised Feb 2016