Understanding Medicare Options: A, B, C, and D
 

Medicare can be confusing, but it's important to understand your options. Here's a simple breakdown of the different parts of Medicare:
 

Medicare Part A (Hospital Insurance)

 

What it covers: Inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.

Cost: Usually free if you or your spouse paid Medicare taxes for at least 10 years.

 

Medicare Part B (Medical Insurance)

 

What it covers: Outpatient care, preventive services, medical supplies, and some doctor services.

Cost: Has a monthly premium (standard is $164.90 in 2023, but may be higher based on income).

 

Medicare Part C (Medicare Advantage)

 

What it is: An alternative to Original Medicare (Parts A & B) offered by private companies approved by Medicare.

What it covers: Everything covered by Parts A & B, and usually additional benefits like vision, hearing, and dental. Many plans include Part D drug coverage.

Cost: Varies by plan, but may have lower out-of-pocket costs than Original Medicare.

 

Medicare Part D (Prescription Drug Coverage)

 

What it covers: Prescription drugs.
Cost: Monthly premium varies by plan, income, and the drugs you need.


 

Which Option is Right for You?

 

Your choice depends on your health needs, budget, and preferences:

• Original Medicare (Parts A & B): Good if you want to see any doctor that accepts Medicare and don't mind potentially higher out-of-pocket costs.

• Medicare Advantage (Part C): Might be better if you prefer a single plan that combines all your coverage and are okay with using a network of providers.

• Adding Part D: Important if you take regular medications and choose Original Medicare.

Remember, you can change your Medicare coverage during the Annual Enrollment Period (October 15 - December 7 each year).

 

Medicare Coverage Across All 50 States

 

We're proud to offer Medicare options in all 50 states. Here's why this matters to you:

• Nationwide Accessibility: No matter where you live in the U.S., you can access our Medicare services.

• Consistency in Care: If you move to a different state, you can often maintain your coverage with us, ensuring continuity in your healthcare.

• Extensive Network: Our nationwide presence allows us to build a vast network of healthcare providers, giving you more options for care.

• Diverse Plan Options: Different states have different healthcare needs and costs. Our nationwide coverage allows us to offer a variety of plans tailored to local markets.

• Expertise in State Regulations: We understand the nuances of Medicare regulations in each state, ensuring our plans are always compliant and optimized for your location.

Whether you're in Alaska or Florida, Maine or Hawaii, we're here to provide you with quality Medicare options that meet your needs and comply with your state's requirements.

Speak to a Medicare Specialist

This information is current as of 2023. Medicare options and costs may change. Always verify details with official Medicare resources.