Understanding Your Medicare Plan Options
Medicare Plans
Whether you are about to achieve the age of 65 or have already celebrated this milestone birthday – you made the right choice turning to The Insurance Hub. Medicare can be confusing, but it doesn’t have to be.
For those about to turn 65, we’ll help you navigate what you need to know to take full advantage of your entitled benefits and how to avoid making costly mistakes.
If you are already 65 or older, we will help you know if you are in the most cost-effective plan. A plan that allows you to see the doctors you like, go to the hospitals you trust, and afford the prescriptions you need.
ANNUAL OPEN ENROLLMENT EVENT
Medicare is one of the best health insurance plans available and you are almost eligible. It’s right around the corner, before you celebrate, make sure you know what you must to make the right decisions. Your situation is unique, and your Medicare plan better be too.
Chances are you have:
- stacks of paperwork
- annoying telephone calls
- seen way too many television commercials touting free stuff
Don’t make this common mistake.
When a friend, neighbor, or family member tells you that they are happy with their Medicare plan, DO NOT ASSUME that their plan is best for you. You go to different doctors, like different hospitals, and take different prescription drugs. Afterall, some of the decisions you make now will affect the rest of your life.
Get Empowered.
Get informative, simple answers to your unrelenting questions. The Insurance Hub will help you cut through the Medicare piles and help you make your best decisions at this important time. Email Rita@insurancebyrita.com or visit our events page.
MEDICARE 65 PLUS
What keeps you up at night?
- Do you worry that you are paying too much for your prescriptions?
- Are you frustrated by the lack of hospital and physician options?
- Do you fear you are paying too much for your out-of-pocket expenses?
You don’t have to go it alone.
Sometimes, it can feel like your Medicare benefit is super complicated. Let our local, knowledgeable licensed agents help you cut through the clutter by answering your un-answered question. Free up time to spend time with the people and activities you love. Whether you’re considering Traditional Medicare A & B, Supplemental Plans (Medigap), Advantage plans (Part C), and/or Part D Prescription Drug Plans, you don’t have to figure it out on your own.
Navigating Medicare can be difficult. We can help!
WHAT IS MEDICARE?
If you’re 65 or older or are younger with a disability and a U.S. citizen or permanent legal resident for the past five years, you qualify for this government health care program. Individuals receiving Social Security benefits are automatically enrolled in Medicare Part A, covering hospital costs, and Part B which covers visits to the doctor. This can help offset medical expenses, but every plan has additional costs.
Medicare has many benefits, including coverage for emergencies, preventative care, prescriptions, dental care, eye exams and more. One of the most important things to know is that Medicare does not cover everything. Additionally, the cost of your premiums depends on your income. Thankfully, these premiums are tax-deductible which can assist, especially if you have a nice nest egg.
MEDICARE VS. HEALTH INSURANCE
It’s important to understand the difference between Medicare and medical health insurance. With The Insurance Hub you’ll quickly get education on the Medicare process, an explanation about Part A, Part B, Part C Advantage plans, and Part D Prescription Drug Plans to help decipher your needs and whether you have the right coverage. Walking you through the process of Medicare Plans, Supplement policies, Advantage Plans, and Prescription Drug Plans helps you make informed decisions to give you the control and portability you deserve. Make sure your medical future is properly planned with one of our associates. Place yourself in a position to save more where you can. Our team makes your planning easier.
It is dangerous to assume that the plan your neighbor is on will be the best for you too
Our experienced agents will guide you through the process of choosing the best insurance option for you including Medicare, supplemental insurance, and drug prescription plan.
And the best part? The Insurance Hub consultations are always free. Not a penny out of your pocket. We are compensated by the insurance companies.
Want help simplifying the decision-making process?
ORIGINAL MEDICARE Includes Part A and Part B.
ORIGINAL MEDICARE Includes Part A and Part B.
ORIGINAL MEDICARE Includes Part A and Part B.
Part A is hospital insurance. It has a deductible and copay. It may have a premium.
Part B covers outpatient coverage for various medical services and doctor appointments. It has a deductible, premium, and coinsurance.
+ MEDIGAP
Medicare Supplement insurance can cover copayments, coinsurance and deductibles that are not covered by Part A or Part B.
MEDICARE ADVANTAGE Also known as Part C.
ORIGINAL MEDICARE Includes Part A and Part B.
ORIGINAL MEDICARE Includes Part A and Part B.
Part C plans cover all of the services included in Original Medicare, have a cap on the annual out-of-pocket costs and include Part D at no additional cost.
Medicare Advantage plans are administered by private insurers. They feature co-pays, low or no monthly premiums, and additional benefits.
They do, however, limit access to all doctors
Part C plans cover all of the services included in Original Medicare, have a cap on the annual out-of-pocket costs and include Part D at no additional cost.
Medicare Advantage plans are administered by private insurers. They feature co-pays, low or no monthly premiums, and additional benefits.
They do, however, limit access to all doctors and hospitals who take Medicare. Talk to a professional before making a decision.
PART D is prescription drug coverage.
ORIGINAL MEDICARE Includes Part A and Part B.
PART D is prescription drug coverage.
Talk with a licensed health insurance agent at The Insurance Hub to help you make an informed decision.
Contact The Insurance Hub:
941-780-5245