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For some people, Medicare enrollment is automatic, while for others, it may depend on when& how they become eligible. Our organization specializes in helping people with access to Medicare find the best products and services available to them in a very complicated marketplace.
What is medicare/Medicaid Insurance
Medicare is a federal program that provides health coverage if you are 65+ or under 65 and have a disability, no matter your income.
Original Medicare coverage is broken into two parts—Part A and Part B—and is accepted by nearly every doctor and hospital in the country. Medicare Part A covers inpatient or hospital stays while Part B covers outpatient or medical care.
Together, Part A and B cover about 80% of the typical healthcare costs seniors face—leaving a few significant gaps in coverage.
Medicare Supplement (Medigap) plans are supplemental policies designed to help extend coverage, lessen costs, and ultimately give beneficiaries peace of mind at all times.
Medicaid is a state and federal program that provides health coverage if you have a very low income.
+ Part A- Hospitalization
As long as you have worked 10 years, or for 40 quarters, you receive this part for free. There is a deductible for most people, but PART A does not cost a person any money. The Deductible for this is $1364 in 2019.
+ Part B - Doctors
This part covers doctor visits, procedures, treatment, etc. For most people for the 2019 year, the cost is $135.50 per month. This is taken right out of your social security check. This is the 80
+ Part C - Medicare Advantage
Pros:
- Cheaper Monthly Premium
- Includes a drug plan
- May include some extra benefits not tied to Medicare
Cons:
- More out of pocket costs if you see doctors
- Can change year to year
- May be limited on who and where you can be seen
+ Part D - Drug Coverage
This is your drug coverage. Everyone is required to have this, or there is a penalty of 1% for each full month without credible coverage. This lasts the rest of your life.
