Medicare Made Simple
Everyone’s healthcare needs are unique. That’s why I provide personalized Medicare solutions. Whether it’s Medicare Supplement/Medigap Plans, Medicare Advantage Plans or prescription drug plans, I’ll present the options and help you choose what’s right for you.
Medicare and Medicaid Explained
Medicare and Medicaid are both government programs that provide health coverage.
Medicare is primarily for people aged 65 and older, or those under 65 with certain disabilities.
It’s divided into different parts:
Part A covers hospital stays
Part B covers doctor visits and other outpatient services
Part D covers prescription drugs
Medicare Advantage (Part C) combines all these services into one plan.
On the other hand, Medicaid is a state and federal program that helps cover healthcare costs for people with limited income and resources.
“Dual eligible” means that a person qualifies for both Medicare and Medicaid. In other words, they’re eligible for Medicare (usually because of age or disability) and also eligible for Medicaid (usually because of a limited income).
So, for example, if you’re on Medicare, and you also have low income, you might be “dual eligible.” This means you can use both programs to help cover your health cost.
Medicare typically serves as the primary insurer, and Medicaid can help cover costs that Medicare doesn’t, like certain long-term care services or even Medicare premiums and copayments. The goal is to make sure that people who qualify for both programs get the health coverage they need, without unnecessary out-of-pocket costs.
Who qualifies for Medicare under 65?
Medicare isn’t just for those over 65. If you’re under 65, you can also qualify for Medicare benefits due to disability or certain conditions.
Disability
If you’re living with a disability or have been disabled for 24 months, you may qualify for Medicare benefits contact your local Social Security office for more details.
Certain Conditions
There are specific conditions that make you eligible for Medicare, no matter your age. Two examples are End-Stage Renal Disease and Amyotrophic Lateral Sclerosis (ALS or Lou Gehrig’s disease). If you have one of these conditions, you don’t need to wait 24 months – you can get Medicare benefits sooner.
Medicare isn’t one-size-fits-all, and you’ve got options.
Maximizing Medicare Plan Benefits While Minimizing Costs
Maximizing your benefits while keeping costs low involves a balance. I start by understanding your healthcare needs and priorities. Do you need regular prescriptions? Do you visit the doctor often? Once we have this picture, we can find a plan tailored to these needs, which often results in lower costs in the long run. Remember, the least expensive plan isn’t always the most cost-effective if it doesn’t cover your healthcare needs adequately.
Complete coverage for your insurance needs
With a diverse range of plans, I’m the only insurance broker you need for: