Medicare Solutions

Recent changes to Medicare have brought about more healthcare choices for mature Americans than ever before.

Recent changes to Medicare have brought about more healthcare choices for mature Americans than ever before. Today when you are eligible for Medicare you can choose to receive healthcare through the Original Medicare program only; or apply for a Medicare Supplement (Medigap Plan) to fill in the "gaps" in Medicare coverage with few if any co-pays or deductibles.

In many areas you can also opt for a Medicare Advantage Plan that may have lower premiums than a Medigap plan, even a $0 premium in some counties, but with more potential out-of-pocket expenses.

Prescription Drug Plans (Medicare Part D) are also now on offer nationwide either as a stand-alone plan or bundled into a low-cost Medicare Advantage Plan.

Medicare Supplement

Medicare Supplement policies (also known as Medigap plans) fill in gaps in Original Medicare coverage such as co-pays and deductibles for hospitalization, doctor visits and other medical services. Although these plans may cost more than Medicare Advantage plans, after paying the plan premium, there are few if any extra out-of-pocket expenses.

Consider these facts in deciding if Medicare Supplement insurance for hospital and medical coverage is right for you:

  • Medicare does not cover all health care bills.
  • Medicare has deductibles and co-payments for some services.
  • The insured is responsible for paying the costs of services not covered by Medicare.

Medicare Part D

Medicare Part D is the federal government's prescription drug program that covers both brand-name and generic prescription drugs at participating pharmacies in your area. The coverage is available to all people eligible for Medicare, regardless of income and resources, health status, or current prescription expenses. Medicare prescription drug coverage provides protection for people who have very high drug costs.

Because...

  • You deserve help with your prescription drug bills.
  • Everyone on Medicare is eligible for Part D Prescription Drug Coverage.
  • The cost of coverage may increase the longer you wait to enroll.

Medicare Advantage

Medicare Advantage plans are health plan options that are part of the federal Medicare program. Coverage may include Medicare Part D prescription drug coverage as well as hospitalization, doctor visits, skilled nursing, medical tests, diagnostics and other services. Most Medicare Advantage Plans are either HMOs, PPOs, or Private-Fee-for-Service (PFFS). Premiums are often low and $0 premium plans are available in many areas.

Consider these facts in deciding if a Medicare Advantage Plan for hospital and medical coverage is right for you:

  • Most Medicare Advantage Plans cover costs & services not covered by Original Medicare.
  • Medicare Advantage Plans may have lower deductibles & co-payments than Original Medicare.
  • Medicare Advantage Plans often have low premiums — plans with monthly premiums as low as $0 may be available in your area.
  • No health questions asked. All Medicare beneficiaries, including people on Medicare due to a disability, are guaranteed acceptance regardless of health conditions (except End Stage Renal Disease).