Medicare insurance can be very confusing, especially as laws change frequently. The good news is that today’s Medicare is about choice.
The best unbiased source of information is the official Medicare website at www.medicare.gov. However, many people find the site complicated and are left with unanswered questions.
We offer you an opportunity to make an informed decision about your Medicare health benefits. Our expertise and the experience of other satisfied clients mean we can recommend the right health plan for your needs.
Your Medicare Insurance Choices
The Original Medicare Plan (Part A and Part B)
Medicare Part A is hospital insurance, which you have likely paid for through payroll taxes. Medicare Part B is medical insurance for which you usually pay a monthly premium.
Medicare Prescription Drug Plan (Medicare Part D)
If you want prescription drug coverage, you can enroll in a Medicare Prescription Drug Plan (Medicare Part D). These plans are offered by private insurance companies approved by Medicare.
Medigap (Medicare Supplemental Insurance)
Medigap is supplemental insurance you can buy through a private insurance company to fill the coverage gaps in your Original Medicare Plan.
Medicare Advantage Plans
Medicare Advantage Plans are health plan options approved by Medicare but offered through private insurance companies. They are run by the Medicare program and always include Medicare Part A and Part B and usually prescription drug coverage. You may have the option to receive additional benefits not covered by Part A and Part B, such as dental and vision care.
Medicare Advantage Plan choices include Preferred Provider Options (PPOs), managed care plans, and private fee-for-service plans. Plan availability varies by region, so you will want to learn what is offered in your area.
Henri Cross Financial Services is a Medicare insurance expert. We can help you understand your options, enroll in Medicare, and choose the best health insurance for your needs.
You don’t have to work with an insurance agent. However if you go through us, the process is simplified and you will have the benefit of our expertise – at no cost to you.