Medicare Supplemental Plans
Understanding Medicare Advantage and Medicare supplements shouldn’t be complicated! Medicare is applied for when a person reaches the age of 65 years. We advise you to contact us no less than 3 months before your birthday to make decisions regarding Medicare Advantage or supplements.
We can assist you before and during your application for Medicare and then help you determine if you need a prescription drug plan or any other supplemental plan. If you have any questions or would like to schedule a free consultation then please call (530) 781-3592.
Medicare Supplement Health Insurance Plans generally have a higher monthly premium and lower out of pocket costs. There is no network so you can choose any doctor that takes Medicare A&B. You can keep your current physician or change to a doctor of your choice.
Medicare Part A
In Patient Hospital Care
Medicare Part A is very important. It covers hospitalization and skilled nursing care which includes:
- Hospital stays
- Home health services
- Hospice care
- Skilled nursing care
- Transplants
Medicare Part B
Doctor and Outpatient Services
Medicare Part B is also very important. It covers your doctor’s visits, ambulance, emergency room, testing and other outpatient services. Although Parts A & B are very important, you will probably want to acquire a Medicare supplement or Medicare Advantage plan to cover out of pocket expenses.
- Doctor visits
- Home health services (not following an acute stay)
- Ambulance services
- Outpatient physical, speech, and occupational therapy
- Outpatient surgeries
- Durable medical equipment
- X-Rays
Medicare Part C
Covers Same Benefits as Part A & B
Medicare Part C is called “Medicare Advantage”. It includes hospital, medical, and prescription drug benefits. This is offered through private insurance companies.
May include additional coverage for:
- Prescription drug coverage
- Dental, vision, and hearing services
- Health and wellness programs
Medicare Part D
Prescription Drug Coverage
Medicare Part D covers prescription drugs. It’s a stand alone prescription plan that can be added to a supplement plan. This is offered through private insurance companies.
- Each plan offers its own formulary
- Costs vary based on brand vs generic medications
- Costs vary based on drug tiers
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