Shaw Insurance & Associates, Inc.
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Medicare is health insurance for people 65 and older, people under age 65 with certain disabilities, and anyone with End Stage Renal Disease. Medicare provides coverage for Part A (hospital insurance) and Part B (medical insurance).
Medicare Supplement plan, also called Medigap, are private health insurance plans that are designed to work with or supplement Medicare. These plans are sold by private insurance companies.
Why should you consider a Medicare Supplement Plan?
To cover coinsurance, copayments, and deductibles. To potentially have almost all of your Medicare approved health insurance costs covered. This will depend on what plan you choose. Each supplement plan must cover the same benefits. Only the price, underwriting, and customer service will vary from company to company.
Why should you consider a Medicare Advantage plan?
Clients who want to keep the monthly premiums low while still maintaining an annual cap on their health care cost. Someone who wants their part D packaged together. Also if you are interested in having some additional added benefits not included with original Medicare.
Medicare Advantage plans are private plans that pay and work in place of original Medicare part A & B and a majority of the time, include these plans also include part D. They are mostly network plans. For example; PPO, HMO, and POS plans. These plans must be approved by Medicare. You must continue to pay for Medicare part B premium. You would have co payments and cost sharing with these plans.
Medicare Prescription Drug Plans, also known as Medicare Part D, are insurance plans offered by private companies cover the cost of prescription drugs. These plans are available to people who are for Medicare and can help reduce the out-of-pocket costs of prescription medications.
Why should you consider a Medicare Prescription Drug plan?
Medicare Supplements do not cover prescription coverage. You would need a stand alone drug plan to cover the costs of prescriptions. Also, if you choose to have Medicare only coverage, with no advantage or supplement plan, then you would also need a drug plan to cover the cost of prescriptions.
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Medicaid
Medicaid is a government-funded healthcare program that provides medical to low-income individuals. It covers a wide range of medical services including doctor, hospital stays, prescription, and more. Medicaid is designed to help those who cannot afford healthcare on their own, and it is administered by the states with funding from the federal government.