Medicare Supplements & Medicare Advantage
We help you understand the difference between your many options.
Medicare Supplements and Medicare Advantage Plans are not the same things, we will show you how to manage the options.
Medicare Advantage
Medicare Part A
Medicare Part A covers your hospital expenses. This includes hospital stays, skilled nursing care, hospice, and home health-care services. You may have to pay various deductibles, coinsurance, and copayments. You earn Part A by paying taxes toward Medicare while working for 10 years (or 40 quarters). If you did not earn Part A, you will pay a premium.
Medicare Part B
Medicare Part B covers services that treat illnesses or conditions such as doctor’s office visits, lab work, x-rays, and outpatient surgeries, cancer screenings and flu shots along with medically necessary durable medical equipment such as wheelchairs and walkers to treat a disease or condition. Most people pay a premium for Part B. Even if you are enrolled in a Medicare Advantage plan that provides your Part A and Part B benefits, you will still pay your Part B premium.
Medicare Part D
Original Medicare doesn’t cover prescription drugs. Although Medicare Part D coverage is optional, if you take medications it can be valuable. You will pay a late-enrollment penalty if you don’t sign up for Medicare Part D Coverage when you are first eligible. You can get Medicare Part D prescription drug coverage either through through a Medicare Advantage Plan that includes prescription drug coverage or an independent Prescription Drug Plan (PDP).
What We Do For Our Clients
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Providing The Right Coverage For You
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