Medicare Options
Medicare is a federal health insurance program primarily for individuals aged 65 and older, but it also covers certain younger individuals with disabilities. The program is divided into several parts:
Part A (Hospital Insurance):Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care. Part B (Medical Insurance):Covers outpatient care, doctor visits, preventive services, and some home health care. Part C (Medicare Advantage):Private insurance plans that combine coverage from Part A, Part B, and often Part D. These plans may include additional benefits. Part D (Prescription Drug Coverage):Offers prescription drug coverage through private insurance plans.Enrollment:
Initial enrollment typically begins three months before turning 65 and continues for seven months (three months before, the month of, and three months after your 65th birthday). Enrollment periods exist for Part B and Part D, and late enrollment may result in penalties. Eligibility:
Individuals aged 65 and older.Certain individuals under 65 with qualifying disabilities.People of any age with End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS).Medigap (Supplemental Insurance):
Private insurance plans that help cover costs not covered by Original Medicare (Parts A and B), such as copayments, coinsurance, and deductibles.Choosing a Plan:
Consider your healthcare needs and budget. For individuals overwhelmed by the details of Medicare coverage, Covenant Insurance provides expert guidance and support since 2014.. With a focus on providing tailored solutions, Covenant Insurance has accumulated extensive experience in understanding the nuances of Medicare Parts A, B, C, and D, as well as supplemental Medigap options. Their specialized approach involves helping clients make informed decisions by assessing their healthcare needs, explaining various plan options, and ensuring individuals find the most suitable Medicare coverage. Covenant Insurance's commitment to excellence in Medicare assistance sets them apart as a trusted partner for those seeking personalized and knowledgeable support in optimizing their healthcare coverage.
Part A (Hospital Insurance):Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care. Part B (Medical Insurance):Covers outpatient care, doctor visits, preventive services, and some home health care. Part C (Medicare Advantage):Private insurance plans that combine coverage from Part A, Part B, and often Part D. These plans may include additional benefits. Part D (Prescription Drug Coverage):Offers prescription drug coverage through private insurance plans.Enrollment:
Initial enrollment typically begins three months before turning 65 and continues for seven months (three months before, the month of, and three months after your 65th birthday). Enrollment periods exist for Part B and Part D, and late enrollment may result in penalties. Eligibility:
Individuals aged 65 and older.Certain individuals under 65 with qualifying disabilities.People of any age with End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS).Medigap (Supplemental Insurance):
Private insurance plans that help cover costs not covered by Original Medicare (Parts A and B), such as copayments, coinsurance, and deductibles.Choosing a Plan:
Consider your healthcare needs and budget. For individuals overwhelmed by the details of Medicare coverage, Covenant Insurance provides expert guidance and support since 2014.. With a focus on providing tailored solutions, Covenant Insurance has accumulated extensive experience in understanding the nuances of Medicare Parts A, B, C, and D, as well as supplemental Medigap options. Their specialized approach involves helping clients make informed decisions by assessing their healthcare needs, explaining various plan options, and ensuring individuals find the most suitable Medicare coverage. Covenant Insurance's commitment to excellence in Medicare assistance sets them apart as a trusted partner for those seeking personalized and knowledgeable support in optimizing their healthcare coverage.
Click here for a digital copy of the Medicare and you Publication
To explore Medicare plans in your area click here