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As we grow older, the need for medication and visits to the doctor tend to increase. This causes us to spend more on healthcare. This is why seniors have a special need for health care insurance. When it comes to Medicare, it can be tough to navigate to get to the right coverage, especially when there can seem to be so many coverage gaps and insurance pitfalls. At Community Assurity Group, we take away the confusion by first getting an understanding of your needs, and then compare top rated plans that will work best for your situation. You’ll appreciate our hassle-free process, to ensure that you find a solid plan, that gives you valuable healthcare coverage with a Medicare plan that you need and deserve.
What is Medicare?
Medicare is a U.S. government health care program that provides coverage for qualified individuals. Because it’s critical to have health insurance to pay for expensive medical bills, it’s more important-than-ever to have this valuable insurance coverage. There are four main parts to this insurance:
- Part A covers inpatient and hospital care. This includes emergency services, hospice, skilled nursing facilities and more.
- Part B concerns outpatient care. This includes visits to the doctor’s office, ambulances, mental health care, clinic research and more.
- Part C, also referred to as Medicare Advantage² combines parts A and B.
- Part D covers prescription drugs².
When you are within 3 months of your 65th birthday, you will generally become eligible to enroll in Original Medicare or Medicare Advantage. Original Medicare is offered by the federal government while private insurers offer Medicare Advantage. Medicare Advantage tends to cover more services at a cheaper rate.
What is the Difference Between a Medicare Cost Plan or a Medicare Advantage Plan?
Medicare Cost Plans¹ and Medicare Advantage Plans¹ both have to offer as much coverage as Original Medicare, but there are differences between the two. Costs for these types of plans vary depending on the carrier and your location. A Medicare Cost Plan may save you money in some areas and cost you more in others. A cost plan generally requires the purchase of a separate prescription (part D) plan. For more information, give us a call.
A Medical Advantage Plan² combines Parts A and B of Original Medicare. It can also include additional coverage like Part D, which covers prescription drugs, as well as basic dental and vision coverage. This would depend on the type of Medicare Advantage plan you choose. Both cost plans and Medicare Advantage plans vary in coverage options and restrictions, based on where you live.
Speak with a licensed insurance agent at Community Assurity Group by calling today at 877-790-7310
What is a Medicare Supplement Plan?
A Medicare Supplement Plan², also known as Medigap can help pay many of the extra costs original Medicare leave behind. These types of plans also allow you to use Doctors anywhere in the country where Medicare is accepted. They often come with international travel coverage options. These plans come with higher required monthly premiums, but with better cost predictions. Like original Medicare, anyone enrolling in this type of plan will need to enroll in a part D prescription plan separately.
Find Comprehensive Medicare plans Today
Medical expenses can build up in the blink of an eye. If you’re retired or still saving for retirement, you may not be able to afford to pay for everything life throws your way. At Community Assurity Group, we care about your well-being. We take away the stress of trying to navigate in the world of health insurance by providing you with a dedicated professional that will work with you to find the best type of Medicare insurance coverage for your needs and budget. You will pay no more by utilizing our services than you would if you were to try and do it on your own. So, put our experience to the test.
Call us today at 877-790-7310 to get started!
Can I Get Medicare at Age 62?
You are usually not eligible for Medicare before the age of 65 unless you have been on Social Security Disability Insurance for at least two years, or you have end-stage renal disease or ALS.
Who is eligible for Medicare?
To be eligible for Medicare, you must be one of the following:
- 65 or older
- Suffering from end-stage renal disease or ALS
- Permanently disabled and receiving disability benefits
Do I Automatically Get Medicare When I Turn 65?
You will only be enrolled in Medicare automatically if you have already been receiving Social Security benefits. If not, you will have to actively sign up three months before, and no later than the month of your 65th birthday.
Who is Eligible for Medicare Part B?
To be eligible, you must be at least 65 years of age and a legal U.S. resident for five continuous years or more. There are exceptions for those with certain disabilities and diseases. Part B is needed to be covered for in-office Doctor’s visits, and outpatient care, in general.
1 - Your charges depend on the coverage options you select, the care your health level demands, number and types of prescriptions needed, along with other rules and restrictions.
2 - These plans are only offered by Medicare-approved private insurance companies.
These descriptions are a summary listing of benefits. For a complete listings please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or on-line at www.medicare.gov.
Medicare has neither reviewed nor endorsed this information.