Turning 65?
Tired of Rate Increases?
Thinking About Retirement?
We think about these things all day. Reach out for help.
Whether it is Joe Namath scaring you on television commercials, a telemarketer blowing up your phone, or daily mail littering your countertop, Americans 64 and older are inundated with messages about Medicare.
We are honored to be a trusted voice to help you with your Medicare choices.
One way that helps us understand Medicare is breaking it into two pieces: Uncle Sam’s piece and the private marketplace’s piece.
Overcoming the Medicare Noise
U.S. Government: Original Medicare
Policy makers in 1965 could not have imagined the complexity of modern medicine when creating Original Medicare. It all started with two simple parts: Part A hospital insurance and Part B physician insurance.
Part B
Most medical services we use throughout life happen outside of an inpatient hospital stay. That’s Part B. Today this coverage includes physician visits, outpatient services, preventive services, and some home health visits. Lab work, physical therapy, and ambulance trips are also examples.
Part B comes with a monthly premium based on household income ($174.70 for a majority of seniors in 2024). Part B is an 80/20 – and the 20% you’re responsible for has no max-out-of-pocket.
Part A
Once you are admitted to the hospital and given inpatient status, your care will be filed under Part A – hospital insurance. Today Part A also includes coverage for skilled nursing facilities, some home health care scenarios, and hospice care.
Part A insurance is free if you’ve worked 10 or more years in the U.S. economy, but it does have a $1600 deductible for each stay in the hospital.
Signed into law by Lyndon Johnson, Original Medicare was an enormous gift and relief to the seniors of 1965, but in the light of modern medicine, we recognize the significant gaps it left. Between the Part A deductible, Part B’s no-cap 20% , and prescription drug coverage completely missing, many gaps have had to be filled over the years. This job was given to private the insurance marketplace with significant government oversight.
Private Marketplace
This is where we’ll help you navigate your options.
Path 1
Original Medicare
Part A & B Major Medical
+ Part D Drug Plan
Path 2
Original Medicare
With Medicare Supplement
Part A & B Major Medical
+ Part D Drug Plan
+ Supplement
+ Dental / Vision
Path 3
Medicare Advantage
All In One
Managed Care
INCLUDED*:
Major Medical | Drug Plan | Dental | Vision | Hearing | Gym Membership (& other perks)