Medicare Supplement

We are your ultimate and friendly resource for everything about Medicare Supplements. Use the resources below to learn more about Medicare Supplement. Better yet, feel free to contact us for more information!

Medicare Supplement Quick Facts

  • Medicare is the national healthcare program for all Americans aged 65 and older.
  • Medicare isn't free. Medicare Part A, which covers inpatient hospital costs, is funded through the Medicare and Social Security taxes we pay throughout our working years.
  • You sign up for Medicare through the Social Security Administration.
  • Medicare Part A covers hospital stays for inpatient care.
  • Medicare Part B covers outpatient services such as imaging, lab tests, bloodwork, preventive screenings, and medical equipment. Everyone with Medicare must be enrolled in both Part A and Part B.
  • Medicare Part C, also known as Medicare Advantage, is offered by private, for-profit insurance companies. Surprisingly, there are over 4,000 Medicare Advantage plans available nationwide, but the specific plans you can choose from depend on your zip code.
  • Medicare Part D covers prescription medications.
  • Everyone becomes eligible for Medicare at age 65. However, if you're still working, you can keep your employer coverage and delay enrolling in Medicare without facing any penalties.
  • Everyone who enrolls in Medicare is required to sign up for Medicare Part B. Although Medicare Part A is free for 99% of beneficiaries, there is a monthly premium of $174.70 for Medicare Part B.

Medicare Supplement - Taking Part

  1. Original Medicare is a traditional 80/20 health plan in which the government covers 80% of costs, and you are responsible for 20%.

    There are no networks with Original Medicare, allowing you to see any doctor and visit any hospital in the United States that accepts Medicare.

  2. Original Medicare can be paired with a Medicare Supplement Plan.

    Plans like Medigap Plan F, Plan G, and Plan N will cover your 20% share that is not paid by the government.

    Both the Mayo Clinic and Barrow Neurological Center in Phoenix accept Original Medicare but do not accept any Medicare Advantage plans.

  3. Medicare Part C, also known as Medicare Advantage, typically includes HMO or PPO plan types.

    These plans are offered by private insurance companies and are not part of the United States government, unlike Original Medicare.

    Medicare Advantage plans have networks that you must use, and most HMO plans include prescription drug coverage, while many PPO plans do not.

    You will be responsible for co-pays and co-insurance, and each plan has a maximum out-of-pocket expense (MOOP) that ranges from $2,800 to $7,500. Medicare Advantage (MA/MAPD) plans will cover costs only after you reach your MOOP.

    Additionally, you must select a new plan each year. If you are considering a Medicare Advantage plan, be sure to thoroughly read and review both the Summary of Benefits and the Explanation of Benefits for every plan you’re considering.

Client Testimonials

Our Clients Love Working With Us!

Thank you for helping me with my Medicare Supplement plan. I loved working with you and we will be recommending you to others!

- John Doe, California

Trying to figure out Medicare myself was difficult. However, after working with you, I figured out exactly what I needed. If you need help navigating Medicare, I recommend working with John Doe

- Jane Doe, Nevada

The whole team was a huge help with putting things together for our Medicare Advantage plans. We will only be working with John Doe for all of our future Medicare needs.

- Sue Doe, Oregon

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