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Choosing A Medicare PLan

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There are lots of important factors to consider when choosing a Medicare plan. It’s crucial to pick the right plan to fit your healthcare needs, and we can help you sort through the different plans with different coverage options to choose one that is best.


PREMIUMS AND COVERAGE

First, you need to decide between premiums vs. coverage, i.e., do you prefer a low-premium plan or a plan that offers extra coverage? Choosing a plan with a lower premium can result in lesser coverage. However, a plan with a higher premium typically has more coverage to offer. Before deciding on a plan, make sure to review your healthcare needs and budget.

 

ORIGINAL MEDICARE

There are two main options to choose from after enrolling for Medicare. First, you can choose to stick with Original Medicare or enroll in Medicare Advantage.

Original Medicare consists of two parts – Part A and Part B. The two parts cover various medical expenses such as doctor visits, hospice care, and inpatient care.

Part A covers
● Nursing home care
● Hospital care
● Hospice care
● Other medical costs

Most people who have Medicare do not need to pay Part A premiums if they have paid enough Medicare taxes. However, there is a deductible for hospital stays and coinsurance payments for long-term care.

Medicare Part B covers

● Outpatient services
● Medical supplies
● Doctor visits
● Ambulance rides
● Preventive services

Part B has monthly premiums, which are deducted automatically from Social Security benefits.

You can also enroll in a Medicare Supplement plan with Original Medicare to get additional coverage for costs, such as deductibles, coinsurance, and copayments.


MEDICARE ADVANTAGE

Medicare Advantage plans cover the same benefits offered by Medicare Parts A and B. They are sold by private insurance companies and often include additional benefits such as hearing, vision, and dental coverage. Many Medicare Advantage plans also include prescription drug coverage.

To enroll for a Medicare Advantage plan, you need to:
● Have Medicare Part A and Part B
● And continue to pay your Part B premiums
● And pay your Medicare Advantage plan premium.

However, some Medicare Advantage plans have a $0 premium, but the cost of Medicare Advantage plans varies based on age, medical history, and coverage options.


PRESCRIPTION DRUG COVERAGE

The next thing to consider when choosing a Medicare plan is if you need prescription drug coverage. The older you are, the more likely it is you will have some prescriptions. If you need coverage, you can enroll for Medicare Part D or a Medicare Advantage plan with prescription drug coverage.
We understand how complicated it can be to understand each plan, but how important it is to make the right decision. So let us help you find a Medicare plan that is right for your healthcare needs. Contact Medigap Supplement Headquarters today.

Get The Right Medicare Plan Today

Dale Wondisford

MEDIGAP INSURANCE AGENT

13 Years experience helping hundreds of families ge the best insurance policy to meet their needs.

FREE CONSULTATION

Fill out the form to get your questions answered by Dale Wondisford wih a FREE no-obligation consulation.

laina roy
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I have had the opportunity to have meet Dale approximately 7 years now. I have never had someone take the time to check what’s the best way to insure myself. He does a very in depth review of what was going on with health issues and the medications, in order to place me with an insurance that’s going to save on my costs
Mark Poff
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Dale is very knowledgeable and experienced working with the many offered medicare plans finding the best plan that benefits his clients which he did for my wife and I. I highly recommend Dale as I totally respect his judgement of which plan is best for the client.
Richard Hibbard
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Dale is really helpful he will get you a answer to any questions you may have. He even got on a three way call so we could hear what was going on. He always returns your call promptly. Dale is very knowledgeable about all types of insurance. Very friendly and no pressure tactics to buy. Would highly recommend Dale.