Medicare Has 4 Individual Parts
You're eligible for Parts A & B (Original Medicare) if:
You're at least 65 years of age or qualify under disability or other special situations.
You've been a U.S. citizen or legal resident for at least 5 consecutive years.
You may add a Medigap policy (Medicare Supplement) & Part D (Prescription Drug), or opt for Part C (Medicare Advantage):
After you enroll in Original Medicare Parts A & or B
During your Open Enrollment Period or other qualifying enrollment periods.
Want Someone To Guide You Through Your Medicare Journey?
Whether you're just now aging in or joined long ago, there are probably many questions you'd like answered. It's helpful to align yourself with a licensed advisor who can support & guide you through your Medicare journey. There's never a fee for their services, so you can call them anytime you need help.
Medicare Supplement Insurance
Reasons to consider getting a Medigap policy:
They provide greater freedom of choice in doctors & hospitals than Medicare Advantage Plans.
You can enjoy peace of mind that your plan will not change or disappear as long as you pay your premium.
They're designed to support you by bridging the gaps in coverage for the extra costs of Original Medicare.
Your Medigap policy pays for:
Your benefits will cover:
Medicare Part A coinsurance & hospital costs— up to an additional 365 days after your Medicare benefits are used.
Medicare Part B coinsurance or copayment.
Blood—the first 3 pints you receive.
Part A hospice care coinsurance or copayment.
Skilled nursing facility care coinsurance.
Your Part A & B deductible.
Your Part B's excess charges.
Foreign travel emergency— up to your plan's limit.
Things to keep in mind about purchasing:
The best time to buy a Medigap policy is during your Medigap Open Enrollment Period.
This 6 month period begins on the first day of the month in which you're 65 or older, & have enrolled in Part B— some states have additional Open Enrollment Periods.
After this enrollment period, you may not be able to buy a Medigap policy. If you're able to buy one, it may cost more.
If you delay enrolling in Part B because you have group health coverage based on your or your spouse's current employment, your Medigap Open Enrollment Period won't start until you sign up for Part B.
Get Help Choosing The Coverage That Compliments You Most.
Make sure you have the information you need to make the best decisions about your health care. Your advisor can empower your decision-making with access to plan cost & quality details, so you can compare & choose the providers & services that give you the most value. Click the button below to learn about the different ways an advisor can help shop for your health care.
Don't Forget, You Can Always Get Help With Your Medicare Concerns!
Don't only seek advice & find help during significant events like turning age 65, retiring from your career, or an emergency. When dealing with your Medicare, advisors are available throughout the whole year to help with everyday questions & concerns.
Medicare Advantage Plans
Are Not The Same As Medicare Supplement Plans!
All of Part A
Your Medicare Advantage Plan will include all the benefits of Part A. Including hospital stays, home health care & associated services.
All of Part B
Your Medicare Advantage Plan will include all the benefits of Part B as well. Including doctor visits, outpatient care, screening & lab test.
Discover The Fine Details About
Your Medicare Profile.
It's truly helpful to have reliable resources, especially when making crucial decisions. Gain wisdom without having to do the work by taking advantage of your licensed advisor's knowledge base. They're tested every year, so they know all the ins & outs.
Your Medicare Advantage Plan may include prescription drugs, plus benefits such as dental, eye care, hearing care, wellness services & nurse helpline.
Yearly Cost Limit
Your Medicare Advantage Plan will include a yearly limit on out·of·pocket costs for covered medical services. This limit may vary & can change each year.