The Help You Need for The Health You Deserve

Medicare is a federal health insurance program designed to provide coverage for individuals who are over 65 years of age, certain younger individuals with disabilities, and people with end-stage renal disease. It is composed of different parts that offer different types of coverage.

Medicare Supplment

A Medicare supplement plan, commonly referred to as a Medigap plan, is additional insurance designed to help cover the out-of-pocket costs that are not covered by original Medicare insurance.

Medicare supplement plans work in conjunction with original Medicare Parts A and B.

Medicare Part A covers hospital stays, skilled nursing facility care, hospice care, and some home health services.

Medicare Part B covers medical services and supplies such as doctor visits, preventive services, durable medical equipment, and outpatient care.

While original Medicare provides coverage for a significant portion of healthcare costs, there are still expenses that individuals are responsible for paying. Medicare supplement plans are designed to fill gaps in coverage, reducing out-of-pocket costs.

In summary, Medicare supplement plans, or Medigap plans, are additional insurance options. They are specifically designed to help cover the out-of-pocket costs that original Medicare does not cover. These plans work alongside original Medicare Parts A and B to reduce the individual's financial responsibility for medical expenses.

Medicare Advantage Plan

A Medicare Advantage plan is an alternative option to Original Medicare (Part A and Part B) and is offered by private insurance companies approved by Medicare. Individuals can choose to enroll in a Medicare Advantage plan, which is essentially a bundled package of Medicare benefits.

A Medicare Advantage plan provides coverage of Medicare Part A (hospital insurance) and Part B (medical insurance). In addition, Medicare Advantage plans often offer extra benefits that are not typically covered by Original Medicare. These additional benefits can include prescription drug coverage, dental coverage, vision coverage, hearing coverage, fitness memberships, and even allowances for over-the-counter items.

---

Medicare Part D

Medicare Part D is a prescription drug coverage program offered by private insurance companies approved by Medicare. It helps Medicare beneficiaries afford the cost of prescription medications.