THE Basic Medicare Parts

If You Decide to Stay with Original Medicare (Part A and Part B) and do nothing else, Here are A few things to be aware of:
You get Medicare Part A premium-free if you've worked at least 10 years, or 40 quarters, while paying Medicare taxes.
Most people pay a monthly premium for Medicare Part B. You can decide not to enroll in this part of Original Medicare. Some people "opt out" of Part B coverage if they have group health coverage through an employer, for example. You can sign up for Part B later when you stop working or your group coverage ends. But you must be enrolled in Part B if you want to sign up for a Medicare Advantage plan or a Medicare Supplement plan. If you delay enrollment in Part B, you might face a late-enrollment penalty for as long as you have the coverage, unless you qualify for a Special Enrollment Period.
Outside of certain specific situations, Original Medicare doesn't cover prescription drugs. Medicare plan options to cover prescription drugs are discussed below.
Original Medicare does come with certain out-of-pocket costs. Medicare Part A and Part B have deductibles and sometimes coinsurance, copayments, and certain coverage limits.

Stay with Original Medicare and add a Medicare Supplement (Medigap) plan to help pay for Original Medicare's out-of-pocket costs.
Stay with Original Medicare and sign up for a stand-alone Medicare Part D Prescription Drug Plan, available from private, Medicare-approved insurance companies.
Get your Medicare Part A and Part B benefits through a Medicare Advantage plan instead of directly from the government. Many Medicare Advantage plans also cover routine vision or dental care or other benefits. Hospice care is covered directly by Medicare Part A when you have a Medicare Advantage plan.

The types of Medicare Advantage plans available in your area may include Preferred Provider Organization (PPO) plans, Health Maintenance Organization (HMO) plans, and others.
Most Medicare Advantage plans include prescription drug coverage; these are called Medicare Advantage Prescription Drug plans. If you enroll in this type of plan, you can get all your Medicare benefits through a single plan. You still need to keep paying your monthly Medicare Part B premium, besides any premium the Medicare Advantage plan may charge.

ADVANTAGE PLANS

PART B

THE PART THAT PAYS TOWARDS YOUR DOCTORS COSTS.

Most seniors don't like having to deal with "the talk" when it comes to Medicare insurance because of the unknown, confusing matrix of it all at first thought. Our agency understands the confusion and we have unlimited patience when it comes to helping answer any and all your questions you will have about Medicare and the different kinds of plans and benefits available. Our agents will help assist you with making the right choice that will fit your needs and that will be the most cost effective to save you the most money while getting the best service from our agency along the way!

PRESCRIPTION

DRUGS (Rx)

INFORMATION

Medicare Compare Agency Pensacola, Pensacola Medicare Supplements

FLORIDA AND alabama's agency for Medicare SUPPLEMENT, ADVANTAGE AND PART D PLANS

B

Over 65% of Medicare beneficiaries are unaware of the basics with what it covers and over 80% of beneficiaries are unaware of extra government benefits that are available at no cost that can help lower Part D drug costs along with being eligible for Medicaid, that if qualified, can get reimbursed for your Part B premiums along with help for paying out of pocket co-pays and expenses that Medicare doesn't cover. Our agents are well educated when it comes to all of this and will gladly forward the educated information to you on what your eligible for and can guide you in helping you pick the most suitable plan to fit all your healthcare needs. There is no cost for an agent consultation so call or fill out the contact form for an appointment.

PART A

THE PART THAT PAYS TOWARDS YOUR HOSPITAL COSTS.

PART D PLANS

A

We Are Here For You!

We have certified agents that can help educate you in making the correct decision as to which plan would be the best fit for you and your healthcare needs. There are specific time frames allocated for making the choice on a Medicare plan don't delay or it could affect your initial election period, you could potentially be penalized and you'll have to wait until open enrollment for your next chance to sign up for a plan to start the following year.

What are your Medicare options?

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