Medicare is the federal health insurance Program for:

People who are 65 or older,

Certain younger people with disabilities,

People with ESRD (End-Stage Renal Disease with permanent kidney failure requiring dialysis or a transplant)

*Source: What’s Medicare? | Medicare

We Talk Simple Medicare

We have been in the insurance industry since 2006. At 123 Insurance Solutions Agency, we understand that Medicare sometime can be confusing. Here, we will try our best to help you understand about Medicare and what options Medicare advantage or Medicare Supplement plans are available in your area. Our goal is to let you understand about the Medicare basic and find the plans suitable to you.

FIRST:

ENROLL IN ORIGINAL MEDICARE.  Original Medicare provided by the federal government.

Medicare Part A (Hospital Insurance)

Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

Medicare Part B (Doctor Visit)

Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services.

SECOND:

Decide if you need additional coverage.  You have two ways to get additional coverage.

Option 1 (You can add one or both of the following to Original Medicare):

MEDICARE SUPPLEMENT INSURANCE (Med Supp).  Medicare Supplement insurance are offered by private insurance companies.

Med Supp covers some of the costs not paid by Original Medicare Parts A and B.

MEDICARE PART D (prescription drug coverage)

PART D is offered by private insurance companies.

OR

Option 2 ( Choose a Medicare Advantage plan)

MEDICARE ADVANTAGE PLAN (Sometime called Part C) is offered by private insurance companies.

PART C combines Part A (hospital) and Part B (doctor) and it also provides additional benefits.

Most Medicare Advantage plan cover prescription drugs also.