Key Components of Medicare

Medicare Part A (Hospital Insurance):

• Coverage: Part A helps cover inpatient hospital care, skilled nursing facility care, hospice care, and some home health care services.

• Cost: Most people don’t pay a premium for Part A if they or their spouse paid Medicare taxes while working. However, there may be deductibles and coinsurance costs.

Medicare Part B (Medical Insurance):

• Coverage: Part B covers medically necessary services such as doctor visits, outpatient care, preventive services, and certain home health services.

• Cost: Part B requires a monthly premium, and beneficiaries are also responsible for an annual deductible and typically 20% of the cost of services after the deductible is met.

Medicare Part C (Medicare Advantage):

• Coverage: Medicare Advantage plans are offered by private insurance companies approved by Medicare. These plans provide all Part A and Part B benefits and may offer additional benefits such as vision, dental, hearing, and prescription drug coverage.

• Cost: Costs vary by plan, but beneficiaries typically pay a monthly premium in addition to the Part B premium. Copayments, coinsurance, and deductibles may also apply.

Medicare Part D (Prescription Drug Coverage):

• Coverage: Part D helps cover the cost of prescription drugs. It is offered by private insurance companies and can be added to Original Medicare (Part A and B) or included in a Medicare Advantage plan that offers prescription drug coverage.

• Cost: Costs vary by plan, including a monthly premium, an annual deductible, and copayments or coinsurance for medications.

Medicare Supplement Insurance (Medigap):

• Coverage: Medigap plans are offered by private insurance companies to help cover out-of-pocket costs not covered by Original Medicare, such as copayments, coinsurance, and deductibles.

• Cost: Medigap plans require a monthly premium, and costs vary based on the plan and the insurance company offering it.

Benefits of Working with Insured 239

Expert Guidance:

• Navigating Medicare can be overwhelming, but Insured 239 provides expert guidance to help you understand your options and select the best coverage for your needs. We ensure that you are fully informed about the benefits and costs associated with each part of Medicare.

Personalized Support:

• We take the time to understand your unique health care needs and financial situation, offering personalized recommendations that align with your goals. Whether you’re new to Medicare or reviewing your current coverage, our team is here to assist you every step of the way.

CMS Compliance:

• At Insured 239, we prioritize compliance with the Centers for Medicare & Medicaid Services (CMS) guidelines. This ensures that all information we provide is accurate, transparent, and meets federal requirements.

Comprehensive Solutions:

• We offer a wide range of Medicare-related products, including Medicare Advantage plans, Medicare Supplement Insurance (Medigap), and Part D prescription drug plans, allowing you to choose the coverage that best fits your needs.

Ongoing Assistance:

• Our support doesn’t end once you’ve chosen a Medicare plan. We provide ongoing assistance to help you navigate your coverage, understand any changes in Medicare, and make informed decisions during annual enrollment periods.

How to Get Started

1. Schedule a Consultation:

• Contact Insured 239 to schedule a one-on-one consultation with one of our Medicare specialists. We’ll review your current health care needs, explain your Medicare options, and help you make the best choice for your situation.

2. Explore Your Options:

• During your consultation, we’ll walk you through the details of Medicare Parts A, B, C, and D, as well as Medicare Supplement Insurance options. We’ll provide clear, easy-to-understand explanations to ensure you feel confident in your decisions.

3. Enroll in the Right Plan:

• Once you’ve chosen the Medicare plan that fits your needs, we’ll guide you through the enrollment process, ensuring that all paperwork is completed accurately and on time.