Medicare Overview

Medicare Can Be Complicated... Give Me 5 Minutes To Simplify It For You.
What to consider:
It is never too early to talk about Medicare.
I recommend exploring your options 6 months prior to turning 65.
Apply for Medicare three months before your birth month.
You have a Guaranteed Issue period when you are first eligible for Medicare.
Most people supplement their Medicare coverage.
Three Parts Of Medicare
Part A Covers:
- Inpatient care in a hospital (covers drugs, medical supplies, and medical equipment used during an inpatient hospital stay or at a skilled nursing facility)
- Skilled nursing facility care
- Nursing home care (inpatient care in a skilled nursing facility that’s not custodial or long-term care)
- Hospice care
- Home health care
Part B Covers:
Part C Covers:
- Prescription Drug Plan (PDP)
- Many drugs you would fill at a pharmacy
- Brand-name
- Generic prescriptions
- Coverage varies depending on the plan
It is a good idea for most seniors who enroll in Medicare Parts A & B to buy a policy that fills in the gaps of Original Medicare.
Select an Option to Fill the Gaps in your Medicare Part A & Part B Coverage:
Medigap Plan
Keep your Original Medicare Part A & Part B and add a Medicare Supplemental policy to cover the gaps in you hospital/medical coverage and a Medicare Prescription Drug Plan (PDP), known as Part D, to cover your Rx drugs.
Explore Medicare SupplementsMedicare Advantage Plan (Part C)
Have a private insurance company take over your Medicare Part A & B coverage. They usually include Rx Drug coverage (highly recommended) and may offer additional benefits not offered by Original Medicare.
Explore Medicare Advantage Plans