Medicare

We can help you understand and enroll in Medicare for both individual and group coverage. Contact us for a FREE EVALUATION to match you with the plan that best suits your needs.

Medicare

Medicare is a federal healthcare program for people over the age of 65, younger individuals with certain disabilities, or individuals with end-stage renal disease or ALS. Medicare is broken up into three categories of coverage, each pertaining to a different area of healthcare. The categories of Medicare are Medicare Part A, Medicare Part B, and Medicare Part D. In addition to providing different kinds of coverage, the requirements for each are different as well.  

  • Medicare Part A – covers expenses associated with hospital stays, inpatient care provided by a skilled nursing facility, hospice care, and even some forms of in-home healthcare. Most individuals who qualify for Medicare Part A do not pay a monthly premium, however, if you do not qualify for premium-free Medicare Part A coverage, you can still purchase Medicare Part A and pay monthly premiums the same way you would pay for any other type of health insurance. 
  • Medicare Part B – covers expenses related to doctors’ visits and other outpatient treatments, necessary medical supplies, and preventative healthcare. All individuals eligible for Medicare Part B will pay a monthly premium, which is standard for everyone making less than a certain amount of annual income. If you make above the specified income amount, you will be required to pay the monthly premium as well as an adjusted rate on top of the base cost. 
  • Medicare Part D – helps to cover expenses related to prescription drugs, as well as many recommended immunizations or other shots. In order to receive Medicare Part D coverage, you will need to enroll in a Medicare plan that specifically includes Medicare Part D. Medicare drug plans and some Medicare Advantage plans offer Part D Medicare coverage. Medicare Part D also requires a monthly premium, which varies depending on which plan you choose. 

Medicare
Supplement

Also known as Medigap, Medicare Supplement is a type of additional coverage offered by private insurance companies that covers medical services not covered by Medicare Part A and B insurance, including copays, deductibles, and coinsurance. Medicare Supplement insurance helps alleviate additional medical expenses when Medicare does not cover full costs or does not cover a certain type of healthcare. Medigap policies carry monthly premiums, which are paid directly to the insurance provider, rather than the federal government. Medicare Supplement insurance is not a part of the federal program that provides Medicare, but in order to qualify for Medigap coverage, the policyholder must also participate in Medicare Parts A and B. 

Single or
Group Policies

If you are over the age of 65, or approaching that age, you might be thinking about Medicare coverage for yourself or for you and your spouse. There are several options for various levels of coverage when choosing a Medicare plan, and possibly Medicare Supplement if Medicare alone is not enough to cover potential expenses. If you are an employer looking to provide Medicare coverage to your senior employees, there are also several plans to consider based on the needs of your eligible staff and whether you also want to offer Medicare Supplement as part of the available coverage. 

TPMO Disclaimer: Plan availability varies by region and state. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. For a complete list of available plans please contact 1-800- MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. This is a solicitation to sell insurance, and is coming from a licensed health insurance agency, and not affiliated or endorsed by the government or federal Medicare program. Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.

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