Everything you need to know.

What is Medicare

Medicare is health insurance for people age 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).

What is Medicaid?

Medicaid is a joint federal and state program designed to provide medical care for people with limited income and assets. Medicaid can vary from state to state.

CMS (Centers for Medicare and Medicaid Services)  
This is the government body that regulates Medicare.
For Further assistance or questions you can contact
Medicare at 1-800-Medicare (1-800-633-4227) or visit .

Medicare Supplement Plans

Medicare Supplement plans (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 buying a Medicare Supplement?

To cover coinsurance, co-payments, and deductibles. To potentially have a
100% of your Medicare-approved health insurance costs covered, depending on
which plan you choose. Each Medicare supplement plan must cover the same
benefits. Only the price, underwriting, and customer service will vary from
company to company.

Medicare Advantage Plans

Medicare Advantage Plans are private plans that pay and actually work in place of original Medicare part A & B and usually include part D. They are mostly network (PPO, HMO, & POS) plans and must be approved by Medicare. You must continue to pay your Medicare part B premium. You would have co-payments and cost sharing with these plans.

Why Should you consider a Medicare Advantage Plan?

Clients who want to keep their monthly premiums low while still maintaining an annual cap on their health care cost. Someone who wants their part D packaged together. Someone who is interested in having some additional added benefits not included with original Medicare.

What is a Medicare Prescription Drug Plan?

Medicare offers prescription drug coverage (Part D) for everyone with Medicare part A and/or B. Medicare drug plans are run by private insurance companies and approved by Medicare. Each plan can vary in cost and drugs covered (formulary list). Medicare
drug plans can purchased separately (called stand-alone) or may be included with a Medicare Advantage Plan.