Medicare Plans, Medicare Part D, Medicare Advantage Plans and Medicare Supplements
Serving Limerick, Phoenixville, Royersford, Collegeville, Skippack, and Surrounding Pennsylvania Areas
Whether you already have a Medicare plan, are about to elect one for the first time, or are helping a loved one to make Medicare choices, we can help. Our goal is to help you understand your options, so you enroll in plans that meet your needs. We can also assist you in closing your coverage “gaps” with a Medigap or Medicare Supplement policy.
What is Medicare?
Medicare is the Federal Health Insurance program for People who are 65 or older, certain younger people with disabilities and people with end-stage Renal Disease. Medicare consists of Part A (hospital insurance), Part B (Medical Insurance) and Prescription Drug Plans, known as Part D.
Medicare Part C, also known as Medicare Advantage Plans, are Medicare health plans which offer additional preventive health benefits and patient protections. These are offered by private companies that contract with Medicare to provide you with all of your Part A and B benefits.
What are Medicare Supplements?
Medicare only covers a portion of your healthcare costs. Medicare Supplement plans, also known as Medigap Plans help pay for what Medicare doesn’t cover. Medicare Supplement Insurance plans are designed to meet a variety of needs and budgets.
You are eligible for Medicare when you qualify for Social Security retirement benefits. You may also qualify if you receive Railroad Retirement benefits, turn 65, even if you are not receiving Social Security, qualify on a spouse’s benefits, or have received Social Security disability benefits for 24 months. In addition, you can qualify if you require kidney dialysis or replacement and either qualify for Social Security or have paid sufficient Medicare taxes.
Prescriptions and Medicare
Medicare Part D is a prescription plan that enables eligible seniors to choose a Medicare-approved prescription drug insurance plan. Plans can vary the list of prescription drugs they cover. Every year during a specific time period you can switch to another Medicare drug plan if your needs change.
Long-term care or custodial care, most dental care, eye examinations related to prescribing glasses, dentures, cosmetic surgery, acupuncture, hearing aids/exams for fitting them and routine foot care are not covered. Talk to our specialists if you have concerns in these areas.
Assistance with Medicare Plans
Choosing Medicare or Medicare Supplement plans can by overwhelming, but you don’t have to go it alone. There are Medicare Plans, Medicare Supplement Plans and Advantage Plans to meet your specific requirements. From eligibility to deductibles to coverages, we stand ready to answer your questions.