Medicare Services

Medicare Basics

New to Medicare? Get all your basics right and find out everything you need to know here.

What is Medicare and How Does It Work?

Medicare is a federal health insurance program that offers benefits to American citizens as well as permanent legal residents (of a minimum of 5 consecutive years) aged 65 and older, or those who have a qualifying illness or disability.

A majority of people are automatically enrolled in Original Medicare, Part A, and Part B when they reach eligibility. On the other hand, some people need to enroll in Medicare manually. In simple words, Medicare Part A is basically hospital insurance, whereas Medicare Part B is medical insurance.

The Best Advisors for Medicare A

Medicare Part A can be explained in the simplest of terms as hospital insurance. When you are enrolled in this plan, it assists you to pay for:

  • Inpatient care
  • Nursing facility
  • Hospice
  • Home health care
  • Semi-private room rent
  • Blood transfusions (higher than 3 pints of blood)

Are You Eligible for Medicare Part A?

  • Age 65 or above
  • Entitled to two-year-long Social Security disability

The Consultants You Need for Medicare B

Medicare Part B is different from A in that it provides essential outpatient medical coverage, including the following:

  • Doctor office visits
  • Diagnostic imaging
  • Surgeries
  • Chemotherapy and radiation
  • Lab testing
  • Preventive care
  • Ambulance rides
  • Extensive dialysis care

Are You Eligible for Medicare Part B?
If you belong to one or more of the following groups, then Medicare Part B is your primary insurance.

Complete Medicare C Coverage

Medicare Part C or the Medicare Advantage Plans can be simply described as private insurance. How much you pay for this Medicare Cost depends on who your carrier is, where you live, and the type of plan selected.

An advantage that Part C plans have over Medigap is that you pay low premiums with the former. However, the copays are higher, so you might want to choose carefully when selecting long-term insurance.

Typically, one can say that Medicare Part C plans are generally very low in cost, fairly comprehensive, often include additional services not provided by Medicare, but are generally associated with a specific network of doctors.

Medigap plans, as an alternative, do have monthly costs, generally cover some or all of the Medicare allowable services, but are typically any doctor/ anywhere as long as they take Medicare. So often the difference can be found in the quality of provider(s) and the provider choice between these various plans.

What Do I Need to Know About Medicare Part C?

  • If you are enrolled in both Parts A and B, then you are eligible for C.
  • Enrolment in Medicare Part C is voluntary.
  • Many people choose to stick to their original Medicare A & B plans and instead, enroll in Medigap.

Best Medicare D Experts in Town

Medicare Part D is another insurance plan where you don’t get enrolled through the Social Security office. Therefore, it is optional. It provides coverage against the retail prescription drugs ordered from the pharmacy or via mail. Paying a premium to your insurance carrier every month results in lower copays for the medicines you purchase.

Prescription Drug Coverage

  • Helps cover the cost of prescription drugs
  • May help is lowering the cost of your prescription drugs and help protect against higher costs later
  • Run by Medicare-approved private insurance companies

Bill was incredibly nice, thorough, and professional. He explained the ins and outs of Medicare and made them understandable, which certainly isn’t easy! He found the best, yet least expensive, coverage for Medigap and Medicare prescriptions. I went into his office feeling confused and nervous about what Medigap would cost me. I left feeling confident that Bill helped me make the best choices for myself and relieved about the cost. A really nice guy!

Debbie G.

Do I Still Need Medicare Part A or Part B if I am Working?

The answer to this will depend on your circumstance. If you have worked a minimum of 40 quarters (10 years) under Medicare-covered jobs and compensated for Medicare taxes during that period, you become qualified for premium-free Medicare Part A and will be enrolled automatically as you reach the age of 65, regardless of whether you are still employed or not. If your partner has sufficient employment quarters, you can also become eligible for premium-free Medicare Part A on the basis of her or his employment history.

 

What Information Do I Need To Get Started?

Begin by gathering this information so it is available when you actually need it:

  • Social Security Number
  • Medicare number (this can be found on the white, red, and blue Medicare card)
  • Medicare plan enrollment
  • Other insurance plans and policy numbers, including long-term care insurance
  • Contact information for health care providers, such as nurses, doctors, pharmacies, hospitals, and medical suppliers
  • List of present prescription dosages and drugs
  • Current health symptoms, conditions, and treatments
  • History of previous health issues
  • Food restrictions or allergies
  • Emergency contacts, such as family, close friends, housing manager, or clergy
  • Legal and financial information

Get Your Free Copy of the “Ultimate Guide to Medicare” video and eBook from Florida Medicare Agency!

This book helps you learn about the different parts of the Medicare program, including Medicare Part A and Part B (together, they are often called “Original Medicare”), Part C (often called “Medicare Advantage”) and Part D (the part of Medicare that covers your prescription medications).

Sign Up For Medicare

We understand that Medicare matters can get quite complicated. It is better to get help understanding Medicare before you sign up for a plan. With our help, you will have in-depth health insurance knowledge of the benefits offered by basic and supplement plans. Call 754-205-2005 right away for your Health Insurance Quotes!

This website and its contents are for informational purposes only. Nothing on the website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.

Florida Health Agency is a licensed health insurance agency certified to sell Medicare products.
Medicare has neither reviewed nor endorsed this information.

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