Your Health Insurance Agency is dedicated to helping the Senior Marketplace throughout the nation. With the aging of America, the Baby Boomer's are looking for assistance with their Health Insurance and Financial needs. We take great pride in being that unbiased resource to accomplish their individualized needs. One of the major concerns a person has when they do retire or turn 65 is how to cover or cap their medical costs which can be catastrophic.
That is exactly what Your Health Insurance Agency will accomplish for you by finding the most comprehensive, suitable yet affordable plan tailored for you. It is important to learn about the benefits you may be entitled to for your healthcare. Whether you are on Medicare or newly eligible to Medicare there are various options to choose from and each has specific features and benefits.
Do you know the difference between?
That is exactly what Your Health Insurance Agency will accomplish for you by finding the most comprehensive, suitable yet affordable plan tailored for you. It is important to learn about the benefits you may be entitled to for your healthcare. Whether you are on Medicare or newly eligible to Medicare there are various options to choose from and each has specific features and benefits.
Do you know the difference between?
Services
You can get your Medicare benefits through Original Medicare, or a Medicare Advantage Plan (like an HMO or PPO).
If you have Original Medicare, the government pays for Medicare benefits when you get them.
Medicare Advantage Plans, sometimes called "Part C" or "MA Plans, " are offered by private companies approved by Medicare.
If you join a Medicare Advantage Plan, the plan will provide all of your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage.
In most HMOs, you can only go to doctors, other health care providers, or hospitals in the plan's network, except in an urgent or emergency situation.
If you have Original Medicare, the government pays for Medicare benefits when you get them.
Medicare Advantage Plans, sometimes called "Part C" or "MA Plans, " are offered by private companies approved by Medicare.
If you join a Medicare Advantage Plan, the plan will provide all of your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage.
In most HMOs, you can only go to doctors, other health care providers, or hospitals in the plan's network, except in an urgent or emergency situation.
Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease.
It is made up of two parts: Part A (for hospital expenses) and Part B (for medical and preventative services).
By itself, Medicare doesn't cover all of your medical expenses.
In fact, Medicare is designed to cover only 80% of your medical costs.
The remaining 20% is your financial responsibility.
You're paying for out-of-pocket costs such as inpatient hospital stays, deductibles, co-payments, durable medical equipment and doctor services.
It is made up of two parts: Part A (for hospital expenses) and Part B (for medical and preventative services).
By itself, Medicare doesn't cover all of your medical expenses.
In fact, Medicare is designed to cover only 80% of your medical costs.
The remaining 20% is your financial responsibility.
You're paying for out-of-pocket costs such as inpatient hospital stays, deductibles, co-payments, durable medical equipment and doctor services.
Medicare offers prescription drug coverage to everyone with Medicare.
If you decide not to join a Medicare Prescription Drug Plan (Part D) when you're first eligible, or if you decide not to join a Medicare Advantage Plan (Part C) (like an HMO or PPO) or other Medicare health plan that offers Medicare prescription drug coverage, you'll likely pay a late enrollment penalty unless you have other creditable prescription drug coverage, or you get Extra Help.
To get Medicare drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare.
If you decide not to join a Medicare Prescription Drug Plan (Part D) when you're first eligible, or if you decide not to join a Medicare Advantage Plan (Part C) (like an HMO or PPO) or other Medicare health plan that offers Medicare prescription drug coverage, you'll likely pay a late enrollment penalty unless you have other creditable prescription drug coverage, or you get Extra Help.
To get Medicare drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare.
Losing a loved one is an extremely difficult experience.
Picking up the pieces while dealing with the accompanying emotions can be stressful.
There are also many expenses associated with death that can, on average, exceed $8,000.
Without a final expense life insurance policy, most families have a hard time coming up with these funds quickly.
Final expense life insurance can save families from having to withdraw from their savings or sell precious assets to come up with the necessary funds required to bury a loved one.
Picking up the pieces while dealing with the accompanying emotions can be stressful.
There are also many expenses associated with death that can, on average, exceed $8,000.
Without a final expense life insurance policy, most families have a hard time coming up with these funds quickly.
Final expense life insurance can save families from having to withdraw from their savings or sell precious assets to come up with the necessary funds required to bury a loved one.
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