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Find out more about your Medicare health plan options
Medicare is divided into parts: Part A, Part B, Part C, and Part D. Original Medicare Part A pays for hospital services and is free if either you or your spouse paid Medicare payroll taxes for at least 10 years. (People who aren’t eligible for free Part A can pay a monthly premium of several hundred dollars.) Original Medicare Part B covers doctor visits and outpatient services and has a monthly premium of $148.50 in 2021.
Part D, which covers prescription-drug costs, also has a monthly charge that varies depending on which plan you choose; these plans are offered by private insurance companies. In addition to the premium costs, you’ll also be subject to copayments, deductibles, and other out-of-pocket costs.
Medicare Part C is also known as Medicare Advantage, these are plans that are offered by private insurance companies and are required to contain the same benefits as Original Medicare Part A & Part B, and often times include other benefits such as: dental, vision, and hearing, transportation, gym memberships, and over-the-counter coverage.
You have options
Beneficiaries of Original Medicare Part A & Part B often decide to purchase a Medigap policy, or Medicare Supplement insurance plan. These plans are offered by private insurance companies and do just as their plan implies: they fill the gaps left behind by Original Medicare. Medicare Supplement insurance plans help cover deductibles, copayments, and other gaps. Medigap policies are identified by letters A through N. Each policy that goes by the same letter must offer the same basic benefits, and usually, the only difference between same-letter policies is the cost. A beneficiary will need to also purchase a stand-alone prescription drug plan to avoid a penalty.
Other beneficiaries opt to purchase a Medicare Advantage plan, which will provide medical and often times prescription drug coverage through private insurance companies. Unlike with a Medicare Supplement, you will not likely have a need to sign up for a Part D plan unless your Medicare Advantage plan does not offer prescription drug coverage. Medicare Advantage plan enrollees will be subject to copayments, deductibles, and other out-of-pocket expenses. Medicare Advantage plans also have networks and some may require you to select a Primary Care Physician who will coordinate your care.
Working with a licensed sales agent
Navigating the maze of Medicare can be confusing, that’s why choosing to work with a licensed sales agent can be helpful. Licensed sales agents can help assess your needs – medically & financially – to determine what plan is the right fit for you. You can contact a licensed sales agent now by calling 866-498-8911 for a no-cost, no-obligation to enroll quote & consultation.
Get a no-cost, no-obligation consultation with a licensed sales agent today.
Find your best fit plan
by calling 866-498-8911
Are you paying too much for prescription drugs?
Too many beneficiaries are exceeding their budget due to rising costs of prescription medications. Did you know that you could be paying too much for your prescriptions? We can help you compare at no-cost and with no-obligation to enroll in coverage to ensure you are in a plan that meets your medical and financial needs. Learn more about the Medicare Pathways vision and how we help beneficiaries save money on prescription drugs, take advantage of their plan benefits, and connect you with resources in your community.
Why You Should Schedule Annual Reviews
Did you know that each year health plans can change? For example, Medicare Supplement insurance plans can experience rate increases on monthly premiums. And some Medicare Advantage plans can make changes to their covered drug list or provider network. We are here to help review your plan at no cost and no obligation to change your plan or enroll in new coverage. Find out if your plan is expecting a rate increase or other changes that may impact your treatment plan.