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frequently asked questions

Original Medicare referred to as Part A and Part B helps pick up some of your hospital and medical services. 
Part A is hospital, it helps with some of the cause for inpatient hospital, services surgeries and some lab test to name a few. Part B is considered medical which helps with outpatient services doctors visits and some preventive procedures. The federal government is the one that administers both Part A and Part B.

Medicare part D is for prescription drug coverage that can be purchased through a private insurance company as a standalone drug plan, or you can get the drug coverage from an all in one Medicare advantage plan.

The Medicare advantage plans are offered through private insurance companies. They are contracted by the federal government and sometimes they are also called Medicare part C plans. 
Many of the private insurance companies choose to offer plans with a zero $0 no cost or affordable plan premiums.
And many of them include the prescription drugs. Some of them also include dental, vision, hearing, gym memberships, grocery benefits, utility benefits, and more depending on your service area and what you qualify for.
They are both governmental health programs, but Medicare is generally for those who are 65 years of age or older are on Medicare due to a disability. While Medicaid is a state government program for people with limited income. 
In some cases people are dual eligible, which means they qualify for both Medicare and Medicaid and they may qualify for a dual special-needs plan. DSNP which will be discussed below.
These are plans for people that qualify for both Medicare and state Medicaid. You are considered dual eligible protected by two entities. 

Depending on your level of Medicaid, you may pay nothing for any medical or hospital services and  also qualify for several different services like dental vision, hearing, utility bills, transportation, rental assistance, grocery benefit, over-the-counter OTC, implants dentures, and so much more.

These plans are for people that have been diagnosed with a chronic condition like high blood pressure, diabetes, ESRD end stage renal disease, heart issues and more.

These plans may pick up all or most of the cost that original Medicare doesn’t pay. Like co-pays, deductibles and coinsurance. These plans also allow you to see any doctor of your choice (no network) they are also portable they go where you go, so that you can travel. These plans are also predictable. You know exactly what your cost will be with most services.

There are many reasons that may allow you to switch at this time even outside of the open enrollment period. There are several different SEP‘s special enrollment periods that we can use to switch your plan if you qualify for one of them, there are MANY of them! Please feel free to call with no obligations to discuss the different special enrollment periods SEP’s.

No, Medicare is not mandatory, but if you choose not to enroll when you were first eligible during your initial enrollment period, you may be subject to facing financial penalties unless you’ve had other creditable coverage or qualified for special enrollment period and a few other factors we can discuss as well.

GiveBack benefit is the reduction offered by some of the private insurance companies that offers the Medicare advantage/Medicare part C plans. If you choose a plan with this benefit, the insurance carrier could pay some or all of your part B monthly premium that the government charges you from your Social Security check, or that you pay every month to the government for your Part B monthly premium.

That’s no problem I offer healthcare plans for people under age 65 or for people that do not qualify for Medicare or Medicaid.

We offer a wide range of insurance plans, everything from dental vision, hearing, life insurance, final expense, long-term care, under age 65 health plans, small business plans, as well as the different Medicare plans. 

No worries please feel free to reach out to me with no obligations, and we can discuss any of the questions that you may have now or in the future.

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Marleah Gwathney is a licensed insurance broker in approximately 50 states dedicated to finding you the most cost-effective solutions with great coverage.

Insurance With Marleah LLC is a non-governmental agency. We are not affiliated or endorsed by any United States government or State agency. Medicare has neither endorsed nor reviewed this information.

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