Let’s Find a Medicare Plan That’s Right for You
As we age, health insurance considerations become important. One of the issues you will need to address is how you plan for retirement. Most Americans become eligible at 65, so if you plan on retiring earlier, this is an important consideration. Always Ready Solutions understands that not everyone needs a comprehensive health insurance plan that covers a full array of doctor visits and prescription drugs. If you’re most concerned about what will happen if you must be admitted to the hospital, we can help you find the best plan.
Understanding Medicare
It’s not always easy to decipher Medicare coverage, so working with a professional company like Always Ready Solutions is helpful. While Original Medicare covers hospital care (Part A) and doctor services (Part B), doctor services provided in the hospital relate solely to Part B, not Part A. Medicare Supplement insurance is designed to fill in the “gaps” with Medicare plans. We also offer Medicare Advantage and Part D plans to fill the gaps further
Medicare Advantage Plans
Choose from various Medicare Advantage plans designed to help you get the most out of your Medicare coverage. With a Medicare Advantage plan, you’ll have all the benefits of Original Medicare. It can also include extra features such as emergency care, wellness programs, Medicare Part D, and other benefits.
Medicare Supplement Plans
Medicare Supplement Plans, or Medigap plans, cover many of your Medicare Part A and B out-of-pocket costs, such as deductibles and co-insurance. Whether you prefer higher premiums or lower out-of-pocket costs, a Medigap plan could be right for you.
Plans A and B
Medicare Supplement Plans A and B cover basic co-insurance and copayment costs for hospitalization, medical expenses, and hospice care. Medicare Supplement Plan B provides additional coverage for Part A deductibles.
Plans D and C
Medicare Supplement Plans D and C help with out-of-pocket costs left from Original Medicare, like co-insurance, copayments, the Medicare Part A deductible, and emergency care abroad. Plan C also covers the Medicare Part B deductible, but Medicare Supplement Plan C is only available to those eligible for Medicare before January 1, 2020.
Plan F
Medicare Supplement Plan F is only available to those eligible for Medicare before January 1, 2020. Plan F helps with out-of-pocket costs left from Original Medicare, like co-insurance and deductibles, plus coverage for Medicare Part A and B deductibles, emergency care abroad, and 100% of Part B excess charges (charges above what Medicare will pay.) A high-deductible option is available that can lower your premiums.
Plan G
Medicare Supplement Plan G helps with out-of-pocket costs left from Original Medicare, like co-insurance and deductibles, plus coverage for additional costs like Part A deductibles, emergency care abroad, and Part B excess charges—this is the difference between what a provider charges and the amount Medicare will pay up to Medicare’s limiting amount. A high-deductible option is available that can lower your premiums.
Let Always Ready Solutions find the right Medicare plan for you. For more information or to schedule a free consultation, call us today at 801-628-1861.