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Understanding Medicare: a guide for our clients

We understand that navigating the world of Medicare can be complex. Our aim is to provide you with clear and straightforward information to help you make informed decisions about your Medicare coverage.

What is Medicare?

Medicare is a federal health insurance program primarily for individuals aged 65 and older, as well as for some younger individuals with disabilities or specific medical conditions. Medicare comprises different parts, each covering various 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 doctor services, outpatient care, medical supplies, and preventive services.

Medicare Part D

(Prescription Drug Coverage) Helps cover the cost of prescription drugs, including many recommended shots or vaccines.

Understanding Medicare costs

  • Most individuals don't pay a monthly premium for Part A if they or their spouse paid Medicare taxes while working.
  • Everyone pays a monthly premium for Part B, with the amount based on income.
  • Costs for Medicare Part D plans, offered through private insurance companies, vary and should be chosen based on your medication needs.
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Choosing your Medicare coverage

You have two main options for your Medicare health coverage:

Original Medicare

Includes Part A and Part B. It covers most, but not all, of the costs for approved healthcare services and supplies. You can join a separate Medicare drug plan (Part D) for prescription coverage and purchase a Medicare Supplement Insurance (Medigap) policy for additional coverage.

Medicare Advantage

(Part C): A bundled alternative to Original Medicare offered by private companies approved by Medicare, which includes Part A, Part B, and usually Part D. These plans may offer additional benefits like vision, hearing, and dental services.

Our services in your Medicare journey

Assistance in understanding options

We help you understand the different parts of Medicare and how they apply to your specific situation.

Enrollment support

We guide you through the enrollment process, ensuring you meet all necessary deadlines and criteria.

Plan comparison and selection

Our team assists in comparing different Medicare Advantage or Part D plans to find the one that best suits your needs.

Ongoing support

Once you become a client, we offer ongoing support in managing your account, understanding changes in Medicare policies, and ensuring you make the most of your Medicare benefits.

Disclaimer: We do not offer every Medicare plan available in your area. Any information we provide is limited to those Medicare plans we do offer in your area. Currently, we represent 10 organizations which offer 42 products in your area. Please contact www.medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.

Get in touch

Contact us to start your Medicare journey with a team that understands your needs and is dedicated to finding the best options for you.

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Prescription medications

Medications may be available through mail order. We recommend contacting Canadian Medstore to learn more. They are a US company that aims to help clients find the best price on their prescription medication. They are not a pharmacy, but they work with a number of licensed US and international pharmacies to deliver safe, affordable medication directly to you.