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Medicare is an essential part of every Senior’s Health planning, and with all the choices you have for your healthcare coverage needs, it’s important to understand how each one might affect your life style; Medicare was never intended to provide for all your healthcare needs, it’s important you know your options.

Part A: The part of Medicare that provides help with the cost of inpatient hospital stays, skilled nursing services following a hospital stay, hospice, respite care and some home health services.
Part B: The part of Medicare that provides help with the cost of medically necessary services like doctor services, outpatient care and other medical services part A doesn’t cover.

Looking for a Medicare Plan, with the option available when selecting a Medicare plan, Medicare Advantage offers more benefits than Original Medicare all for a low and, in some areas of American states and cities a $0 premium*, Medicare -approved, but offered by private insurers. These Medicare plans combine hospital costs, doctors’ visits, outpatient care, and often Part D prescription drug benefits into one plan. Some plans may also offer vision, dental, hearing health coverage and some may offer wellness programs at an extra cost. There are more options to consider when selecting a Medicare Advantage Part C. 1) These plans often require you to pay copays. 2) The doctors and hospitals you go to are usually a part of a network. 3) You may also need a referral to see a specialist.

Medicare Prescription Drug Coverage Part D, it is a kind of cost sharing (coinsurance) where costs are split on a percentage basis, for example, Medicare Part B pays about 80% and you pick up the rest. A coinsurance is a kind of cost sharing where you pay a pre-set, fixed amount for each service. Sometimes this is called a “copay.”

Medicare Supplement Insurance, many times called gap coverage, help to reduce out -of-pocket costs that Medicare does not pay, fills void between Medicare Part A and Medicare Part B. Original Medicare covers many health care services and supplies, but there are many costs it doesn’t cover, and a Medicare Supplement Insurance offered by private insurance companies. To be eligible for Medicare Supplement Insurance plan, you must be enrolled in Medicare Parts A and B and either be 65 or older, or have a disability. Call or complete a short form and a Medicare advisor will assist you with more details in the selection process for choosing a Medicare plan for your lifestyle and needs.