East Coast Health Insurance should be your Medicare Advantage and Medicare Supplement experts. With over 10 years in health insurance, we have been successfully helping seniors choose their health insurance plans for a long time and are up to date on all the latest Medicare plans and news. Located in Deerfield Beach, Florida we are here to explain Medicare to you!
The Different Parts of Medicare
Medicare is split up in to several different parts. Understanding all of the parts and what they do is the key to getting the most out of Medicare, and not being turned down when you need help the most. The coverage that Medicare gives is split in to 4 distinct areas, and only 2 of those 4 are included with the basic system.
Part A of the system will cover your hospitalization, as well as home health care, and hospice expenses. If you are eligible for Medicare you get this coverage at absolutely no cost. This is the core of Medicare and it will cover most of the basic costs.
Part B helps to fill in the gaps that A simply can’t cover. B will take care of the doctors; it also covers outpatient care, as well as more home health care. Part B also covers preventative care. The difference between A and B is that you have to pay monthly premiums for B.
C is what is known as a Medicare Advantage plan. These plans can be picked up from various private companies. There are different benefits depending on who is offering the plan. Typically medical costs are kept down by using large networks of discounted providers. These providers agree to charge lower amounts to in network patients. Advantage plans help to cover co-pays and other expenses not covered by parts A and B. The plans will also cover medication most of the time. Some even include additional perks like gym memberships, and meal programs. Make sure you understand the costs and what the plan covers before deciding to go with it.
Part D of Medicare is all about the Drugs. It is run by private companies who operate with Medicare. These companies do their best to cover the cost of prescriptions and they can be a life saver when you have to pay for expensive medication.
Knowing the parts of Medicare will give you a better idea of what your basic plan will cover. It’s better to know what you’re going to have to pay out of pocket and what will be covered even before you’re in the hospital.
We offer Medicare Supplements from AARP, Mutual of Omaha, Aetna, Secure Horizons (United Health Care), Blue Cross Blue Shield, and many more. With the fact that Medicare plans are homogenized, that means the best plan for you is the cheapest premium as there is no difference between the coverages from one company to the next. East Coast Health Insurance will find the best plan for you and your family, because we have contracts with all carriers and will let you choose the company that is best for you. Get a Medicare Supplement Quote now!
Medicare Drug Plans or Part D
Medicare Part D or as we like to call it the Great Confusion, is one of the more complicated parts of Medicare. With Donut Holes and large benefit deals these $20 a month plans can drive you nuts but might be the most important decision in picking a Medicare plan as many senior citizens largest expenditures are medications. Let East Coast Health Insurance assist you in picking a plan!
With health reform right around the corner, you need an agent that is up on the latest products and news coming out of Washington and your local, state government.
Medicare Advantage Plans
East Coast Health Insurance offers these great plans (usually free to minimal cost per month) from all great regional and national carriers. This subset of Medicare includes the Medicare HMO plans, POS, and even PPO plans that pay the 20% of your bills that Medicare does not. Everyone should have either an Advantage plan or a Medicare Supplement as it is not a good idea to run around with no coverage for the missing 20%. East Coast Health Insurance can get help you pick a great plan and explain the differences between each carrier. In many cases we will even send a representative over from the carrier you choose to help you sign up!