Information & Resources
Original Medicare is made up in two parts. Part A and Part B. See descriptions below. In addition, Part D Prescription Drug Plans are available to help cover the cost of medications. All of these programs come with specific application guidelines. There are associated penalties if these guidelines are not met correctly. Individuals may enroll in Original Medicare and add a prescription drug plan to satisfy their health care needs. Original Medicare will have copayments, deductibles and co-insurance for all but the annual screenings and preventative services listed by Medicare. (medicare.gov) Knowing what the Medicare program covers and what costs are shared will be necessary for you to make good Medicare coverage choices.
Medicare Part A
Hospital Coverage: Covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. Medicare Part A is free to a majority those qualified to participate with the program. See link for details(medicare.gov).
Medicare Part B
Medical insurance: Covers certain doctors' services, outpatient care, medical supplies, and preventive services. Medicare Part B has a monthly premium based on government tables for participants. (medicare.gov).
Choosing to participate in Medicare.
The Initial Enrollment Period (IEP) starts 3 months prior to age 65, during the month turning 65 and ends 3 months after turning 65. Understanding the pros and cons of starting Part A or Part B is essential to a smooth transition from a private medical coverage situation into the Medicare insurance program. Don't be confused. Know your options today to make the best choices in the future. Allmedi will provide a complimentary review and discussion of your situation to clearly identify your options, so you can enjoy life and be covered appropriately with Medicare.
Get your questions answered now with a licenced agent. Call now or schedule a complimentary visit.
Medicare Part D
Prescription Drug Plans
Medicare requires prescription drug coverage, whether you have creditable coverage at work or participating in a drug plan administered by Medicare. There are penalties if not enrolled properly. Allmedi provides the discussion and knowledge to allow you to make the appropriate decision in your circumstance.
Private insurance with Medicare
Options with Original Part A and B
Medicare has allowed participation of private insurance companies to assist in the payments of expenses associated with Original Medicare.
Medicare Supplement Insurance Plans
A Medicare Supplement Insurance policy helps pay some of the health care costs that Original Medicare doesn't cover, like:
Allmedi will review plans available with you to see if this is a good option. Contact us today and have a complimentary visit with a licensed agent.
Medicare Advantage Plans
Medicare Advantage Plans are private insurance companies health plans that include all of Part A and Part B components and utilize various health provider groups, HMO, PPO,... to facilitate health coverage to participants. With so many options available, it is critical to review and know how these plans will affect a participant. Allmedi provides a complete discussion to educate on the most current options, allowing you to decide if this is a good choice. Contact us today for your complimentary visit with a licensed agent.