- Original Medicare includes Part A (Hospital Insurance) and Part B (Medical Insurance).
- If you want drug coverage, you can join a separate Part D plan.
- To help pay your out-of-pocket costs (like your 20% coinsurance), you can also shop for and buy supplemental coverage.
- You can use just about any doctor or hospital, anywhere in the U.S.
+You can also add Medigap:
Medigap is supplemental insurance that helps fill “gaps” in Original Medicare and is sold by private companies. Parts A and B pay for much, but not all, of the cost for covered health care services and supplies. A Medigap policy can help pay some of the remaining health care costs, like deductibles and coinsurance.
- Medicare Advantage is an “all in one” alternative to Original Medicare. These “bundled” plans include Part A, Part B, and usually Part D.
- Plans may have lower out-of-pocket costs.
- In most cases, you’ll need to use doctors who are in the plan’s network.
- Most plans offer extra benefits that Original Medicare doesn’t cover, like vision, hearing, dental, and more.
We’ll help you complete your package with Prescription Drug Plan, Long-Term Care, Dental, Vision, and Retirement Income solutions.
Prescription Drug Plans (PDPs)
Part D helps cover the cost of prescription drugs (including many recommended shots or vaccines)
Your agent will help you find the PDP that best covers your needs, with the pharmacies in your area.
Long-Term Care Insurance (LTCi)
One day you may need a caregiver, and your health plan won’t pay for that. You could be left with a choice of spending all of your savings until you qualify for Medicaid. Unless, that is, you have LTCi.