Medicare, Medigap and Medicare Advantage in Georgia. Supplimental Insurance
Medicare Program Overview
As the population gets older, many people including seniors are finding it harder each day to cover medical bills and prescriptions not to mentioned basic health insurance coverage. Medicare was created by the federal government to help bridge the gap for those individuals who simply cannot offer the rising cost of health care.
Medicare is a great solution given that you know what types of information is needed to make the right choice. Understanding the complexities of Medicare will help to prevent making difficult choices. We can educate you on what the Medicare program is all about.
What is Medicare? Medicare is federally funded health insurance for individuals over 65 years of age and for people below 65 with disabilities
Medicare is the largest health insurance program in the United States with approximately 40 million members.
You must follow a number of criteria to be eligible.
- You must be a US citizen.
- You must be 65 years of age or older.
- If you are under 65, you must have certain disabilities.
- If you have fatal Renal Disease, otherwise know as kidney failure that might require dialysis or a transplant.
Types of Medicare: Medicare Part A, B, C, D & Medigap
Medicare Part A covers major and fatal illnesses as well as terminal care issues. Services may include inpatient hospital care, hospice care, home health care and a portion of nursing facility costs.
Medicare Part B covers minor health issues such as doctor's visits, doctor's care, physical and occupational therapy, if needed. It is basically maintenance and preventative coverage.
Medicare Part C is also called Medicare Advantage Plan that completely replaces Medicare Part A and Part B for people who cannot afford private insurance. The plan must be Medicare approved and an additional premium payment is required.
Medicare Part D covers prescription drugs. There are multiple plans to choose however co-payments and/or deductibles may be required.
Medigap is GAP coverage for people who do not fully qualify for parts of Medicare A, B, C or D. It covers co-pays, deductibles or other expenses not covered by Medicare programs. However, if you choose a Medicare Advantage Plan (Medicare Part C), your Medigap policy won't pay out.
Medicare is a great solution for many people including seniors who struggle to cover medical bills and prescriptions as well as basic health insurance coverage. Medicare helps those individuals who simply cannot afford the rising cost of health care.
We can educate you on what the Medicare program is all about. Just contact us!
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