Medicare Plans

Take Control of Your Medicare Journey

Don't let Medicare overwhelm you. As a licensed Medicare advisor with years of experience, I'll simplify the process and guide you to the right coverage for your unique needs. Navigating the complexities of Medicare can feel like a daunting task, but with my guidance, you can confidently choose a plan that fits your lifestyle and budget.

Understanding the Basics: Medicare Parts A and B

• Medicare Part A (Hospital Insurance): This covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health 1 services. For most people, 2 there's no monthly premium for Part A if you or your spouse paid Medicare taxes while working. Understanding what Part A covers is crucial for protecting yourself against unexpected hospital costs.

• Medicare Part B (Medical Insurance): Part B covers a wide range of outpatient services, including doctor's visits, preventive care like annual wellness visits and screenings, lab tests, diagnostic imaging (like X-rays and MRIs), durable medical equipment (like wheelchairs and walkers), and certain therapies. Part B does have a monthly premium, and the amount can vary based on your income. I can help you understand the premium structure and explore options to manage your costs.

Enhance Your Coverage Beyond Parts A and B

Original Medicare (Parts A and B) provides a solid foundation, but it doesn't cover everything. Many people choose to enhance their coverage with additional options, and I can help you navigate these choices:

• Medicare Advantage (Part C): These plans, offered by private insurance companies, combine Parts A and B into one convenient plan. Often, they include extra benefits like vision, dental, hearing, and prescription drug coverage, which can significantly reduce your out-of-pocket expenses. I can help you compare different Advantage plans to find one that meets your specific health needs and preferences.

• Medicare Prescription Drug Plans (Part D): If you need help paying for prescription medications, a Part D plan is essential. These standalone plans are designed to work alongside Original Medicare and can significantly lower your prescription drug costs. I can help you understand the different Part D plan options and choose the one that covers your medications.

• Medicare Supplement Plans (Medigap): Medigap plans help pay for out-of-pocket costs associated with Original Medicare, such as copayments, coinsurance, and deductibles. These plans offer valuable financial protection and can give you greater peace of mind. I can help you determine if a Medigap plan is right for you.

Ready to Simplify Medicare?

I'll provide personalized support, tailored to your specific health needs and budget. I'll help you:

• Understand the complexities of Medicare so you can confidently choose the right plan.

• Save time and stress by researching plans and explaining the pros and cons of each.

• Find a plan that fits your budget and health needs, ensuring you get the best possible coverage at a price you can afford.

• Navigate the enrollment process, making it smooth and hassle-free.

Schedule a free consultation today!

Call/text 619.754.5021 or email me to get started. Don't wait – take control of your healthcare future today!