Senior Life Matters Insurance Agency, LLC is dedicated to educating and helping seniors make informed decisions regarding their Medicare insurance options. As brokers, we are contracted with multiple top insurance companies to help you find a Medicare plan to meet your needs and budget. Integrity, efficiency and accuracy of information are of utmost importance, and we work hard to provide excellent customer service for our clients all year long.
Get a quick overview of Medicare and the four types of insurance it offers: Part A, B, C and D.
Get a quick overview of Medicare and the four types of insurance it offers: Part A, B, C and D.
Services
Medicare is health insurance, managed by the Federal government, for people age 65 or older, people with certain disabilities, and anyone with End-Stage Renal Disease.
In order to qualify for Medicare you or your spouse must have worked in the U.S.at least 10 years.
Medicare offers four types of insurance, Part A, B, C and D.
Helps cover expenses for care received through a skilled nursing facility, hospice, and home health care, if certain conditions are met.
Pays 100% for certain preventative services (no deductible) and 80% for other covered preventative services (deductible depends on service).
In order to qualify for Medicare you or your spouse must have worked in the U.S.at least 10 years.
Medicare offers four types of insurance, Part A, B, C and D.
Helps cover expenses for care received through a skilled nursing facility, hospice, and home health care, if certain conditions are met.
Pays 100% for certain preventative services (no deductible) and 80% for other covered preventative services (deductible depends on service).
A Medicare supplement (Medigap policy) sold by private insurance companies, can help pay substantial health care costs that Medicare doesn't cover, like co-payments, coinsurance, and deductibles.
If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs, and your Medigap policy pays its share.
These plans allow you to see any doctor in the US, as long as they accept Medicare, they will accept your supplement.
If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs, and your Medigap policy pays its share.
These plans allow you to see any doctor in the US, as long as they accept Medicare, they will accept your supplement.
Medicare Advantage Plans are health plan options offered by private insurance companies under contract with Medicare, covering your Medicare Part A, Part B, and oftentimes, Part D (Rx) benefits.
These plans usually cost much lower in premium than a supplement, but could cost more out of pocket when services are used.
In most of these plans, there generally are extra benefits (such as dental and vision) and often times, lower co-payments than Original Medicare.
Most Medicare Advantage Plans are managed care plans, usually a health maintenance organization (HMO) or a preferred provider organization (PPO) and you usually have to see contracted doctors except in a case of emergency.
These plans usually cost much lower in premium than a supplement, but could cost more out of pocket when services are used.
In most of these plans, there generally are extra benefits (such as dental and vision) and often times, lower co-payments than Original Medicare.
Most Medicare Advantage Plans are managed care plans, usually a health maintenance organization (HMO) or a preferred provider organization (PPO) and you usually have to see contracted doctors except in a case of emergency.
You can sign up for Medicare Part D, which helps cover prescription drug costs, starting three months before your 65th birthday.
There are other enrollment periods that may apply to you as well.
It's important to enroll on time because there's a penalty for late enrollment if you do not have equivalent drug coverage from another source, such as an employer plan or VA benefits.
Not everyone will enter the coverage gap.
The coverage gap begins after you and your drug plan have spent a certain amount for covered drugs.
There are other enrollment periods that may apply to you as well.
It's important to enroll on time because there's a penalty for late enrollment if you do not have equivalent drug coverage from another source, such as an employer plan or VA benefits.
Not everyone will enter the coverage gap.
The coverage gap begins after you and your drug plan have spent a certain amount for covered drugs.
How much does Medicare cost?
Medicare Part A (Hospitalization) is provided at no monthly premium, as long as you or your spouse have worked and paid taxes in the U.S. for at least 10 years.
The 2021 deductible for Part A is $1,484.
Is help available for my Part B monthly premium?
For those who economically qualify, help is available through the state Medicaid program (AHCCCS in Arizona).
Do I need Part A and B?
In order to have comprehensive medical coverage, Medicare Part A and B are recommended for most people.
Medicare Part A (Hospitalization) is provided at no monthly premium, as long as you or your spouse have worked and paid taxes in the U.S. for at least 10 years.
The 2021 deductible for Part A is $1,484.
Is help available for my Part B monthly premium?
For those who economically qualify, help is available through the state Medicaid program (AHCCCS in Arizona).
Do I need Part A and B?
In order to have comprehensive medical coverage, Medicare Part A and B are recommended for most people.
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