Shop & Enroll

Shop & Enroll

Shop Our Medicare Plans

Insurance can be confusing. But with our online resources we can make it straightforward.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Want a Review Your Medicare Plan Options Together?

Navigating Medicare can be complex, but you don't have to do it alone. Book an appointment and explore your Medicare options, including Medigap, Prescription Drug Plans, and Advantage Plans, with expert guidance tailored to your needs.

Schedule a consultation and discover your best option with Agent Benji.

Download The Medicare Handbook

Download The Medicare Handbook

Click the download button to access the official US government Medicare handbook.

Diving Into Original Medicare

Medicare Part A (Hospital Insurance)

  • Inpatient Hospital Care: Covers the majority of costs associated with hospitalization, including semi-private rooms, meals, general nursing, and medications as part of your inpatient treatment.

  • Skilled Nursing Facility Care: Provides coverage for services in a skilled nursing facility following a hospital stay, including room, board, and a range of skilled nursing and rehabilitative services.

  • Hospice Care: Covers services for those who are terminally ill. This includes pain relief, symptom management, support services, and bereavement counseling for the patient and their family.

  • Home Health Care: Offers coverage for limited part-time or intermittent skilled nursing care and home health aide services, physical therapy, occupational therapy, and other services.

Medicare Part A is a fundamental component of hospital and facility-based care, offering vital coverage for various inpatient and specialized services.

Medicare Part B (Medical Insurance)

  • Doctors' Services: Covers services received from doctors, including office visits, consultations, and medical procedures.

  • Outpatient Care: Includes services and treatments you receive without being admitted to a hospital, such as in an outpatient clinic or ambulatory surgery center.

  • Medical Supplies: Covers certain medical supplies, like bandages and splints, necessary for treatment.

  • Preventive Services: Provides coverage for preventive care to detect and prevent illnesses, such as flu shots, screenings like mammograms or colonoscopies, and routine vaccinations.

Medicare Part B plays a critical role in covering non-hospital medical needs, ensuring beneficiaries have access to essential medical services and preventive care.

Diving Deeper into Medicare Choices

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Prescription Drug Plans (Part D):

  • Coverage: Specifically designed to cover the cost of prescription medications. These plans cover a wide range of prescription drugs that beneficiaries may need.

  • Variety of Plans: Part D plans are offered by various private insurance companies, and each plan can vary significantly in terms of cost, coverage, and the specific drugs covered (formulary).

  • Cost: Costs can include premiums, deductibles, copayments, or coinsurance. The specific cost structure depends on the chosen plan.

  • Enrollment: Beneficiaries can enroll in a standalone Part D plan or choose a Medicare Advantage Plan that includes prescription drug coverage.

  • Formulary: Each plan has its own formulary, or list of covered drugs, which is divided into tiers based on cost. Drugs on higher tiers typically cost more than those on lower tiers.

Part D plans are an essential aspect of Medicare for those requiring regular medication, offering various options to suit different needs and budgets.

Medigap Plans: Supplemental Coverage

  • Purpose: Medigap plans are supplemental insurance policies designed to cover the "gaps" not paid for by Original Medicare, including Parts A and B. These gaps include certain out-of-pocket costs.

  • Coverage: Medigap plans help pay for expenses such as copayments, coinsurance, and deductibles associated with Medicare-covered services. Some plans may also cover services that Original Medicare does not, like medical care when you travel outside the U.S.

  • Options: There are several standardized Medigap plans available (identified by different letters), each offering a different level of coverage. The benefits in each plan are the same for every insurance company.

By providing additional coverage, Medigap plans can help reduce the financial burden of healthcare costs, offering beneficiaries a way to manage expenses more predictably.

Understanding Medicare Advantage Plans (Part C)

Medicare Advantage Plans, also known as Medicare Part C, offer a comprehensive alternative to Original Medicare, combining several aspects of healthcare coverage into one package. Here's an in-depth look at what they entail:

  • Medicare Advantage Plans bundle the benefits of Medicare Part A (hospital insurance) and Part B (medical insurance). Most plans also include Part D (prescription drug coverage), providing a holistic approach to health insurance.

  • One of the key attractions of Medicare Advantage Plans is the inclusion of additional benefits not typically covered by Original Medicare. These can include vision, dental, and hearing care, as well as wellness programs. These extras vary by plan, offering beneficiaries the opportunity to choose a plan that caters to their specific health needs.

  • Medicare Advantage Plans usually operate within a network of healthcare providers. This means that to maximize your coverage benefits, you'll need to use doctors, hospitals, and other healthcare providers that are part of the plan’s network. Some plans may offer more flexibility than others, but out-of-network services typically come with higher out-of-pocket costs.

  • The costs associated with Medicare Advantage Plans can vary significantly based on the plan you choose, your location, and the services you use. While these plans often have lower out-of-pocket costs compared to Original Medicare, they also come with different premiums, copays, and deductibles. It's important to compare plans in your area to find one that fits your budget and healthcare needs.

Medicare Advantage Plans offer a comprehensive and often cost-effective alternative to Original Medicare. With additional benefits and the convenience of having all your Medicare services under one plan, they can be an attractive option for many beneficiaries. However, it's crucial to consider factors like network restrictions and varying costs when selecting the right plan for your healthcare needs.

 FAQs

  • Medicare is a federal health insurance program for people aged 65 and older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant).

  • Turning 65 marks an important milestone, especially when it comes to healthcare. Most people become eligible for Medicare, the federal health insurance program primarily for individuals aged 65 and older. It's crucial to understand your options and make informed decisions about your coverage.

  • You have a seven-month Initial Enrollment Period (IEP) to sign up for Medicare, starting three months before your 65th birthday month and ending three months after. However, depending on your circumstances, there may be other enrollment periods or penalties to consider. It's essential to understand your enrollment options and deadlines to avoid potential coverage gaps or penalties.

  • You can enroll in Medicare through the Social Security Administration either online, by phone, or by visiting a local Social Security office. Enrollment typically occurs when you turn 65, or if you qualify due to a disability.

  • In most cases, if you're still working and covered by your employer's health insurance, you may not need to sign up for Medicare immediately. However, if your employers has fewer than 20 employees, Medicare will become the primary coverage provider. So, it's essential to understand how Medicare works with your current coverage to ensure you make the best choices for your healthcare needs.

  • To avoid late enrollment penalties, sign up for Medicare Part B and Part D when you are first eligible. Special Enrollment Periods (SEPs) may also help avoid penalties if you have other credible coverage.

  • Medicare is divided into several parts:

    Medicare Part A covers hospital stays, skilled nursing facility care, hospice care, and some home health care.

    Medicare Part B covers medical services like doctor visits, outpatient care, preventive services, and durable medical equipment.

    Medicare Part C, also known as Medicare Advantage, offers an alternative way to receive your Medicare benefits through private insurance plans.

    Medicare Part D provides prescription drug coverage.

  • The Part B premium is a monthly fee you pay for medical insurance. The amount is determined by your income, with higher-income beneficiaries paying more.

  • Medigap plans are sold by private companies and help pay for out-of-pocket costs not covered by Original Medicare, such as copayments, coinsurance, and deductibles. They do not cover prescription drugs.

  • Original Medicare includes Part A and Part B, while Medicare Advantage plans (Part C) are offered by private insurance companies approved by Medicare. Advantage plans often include additional benefits like prescription drug coverage, dental, vision, and hearing services. It's essential to compare the costs, coverage, and provider networks of each option to find the best fit for your needs.

  • HMO (Health Maintenance Organization) plans require you to use a network of doctors and hospitals and usually require referrals to see specialists. PPO (Preferred Provider Organization) plans offer more flexibility in choosing healthcare providers and do not require referrals.

  • No, you cannot have both. Medigap policies are only available to those with Original Medicare. Medicare Advantage Plans often include additional coverage that makes Medigap unnecessary.

  • Medicare Advantage Plans have an out-of-pocket maximum limit, after which the plan pays 100% of covered services for the rest of the year. The specific limit varies by plan.

  • Many people choose to supplement their Original Medicare coverage with a Medigap (Medicare Supplement) policy to help pay for out-of-pocket costs such as deductibles, copayments, and coinsurance. Another option is to enroll in a Medicare Advantage plan, which often provides additional benefits beyond what Original Medicare covers. I can help you explore these options and find the right solution for your situation.

  • You can change your Medicare plan during the Annual Enrollment Period (October 15 to December 7) or during the Medicare Advantage Open Enrollment Period (January 1 to March 31).

  • As your local insurance agent, I'm here to help! I specialize in Medicare education and consultation, and I'm dedicated to providing you with personalized assistance tailored to your unique needs and preferences. Whether you have questions about enrollment, coverage options, or anything else related to Medicare, don't hesitate to reach out. You can contact me at ben@agentbenji.com or by phone at 321-599-6326.

  • Medicare Part D provides prescription drug coverage for Medicare beneficiaries. However, it's important to choose a plan that covers the medications you need at a cost that fits your budget. I can assist you in comparing Part D plans and finding one that meets your prescription needs.

    However, if you choose to a Medicare Advantage Plan, your prescription coverage may be included.

  • Many healthcare providers accept Medicare, but it's essential to confirm whether your specific doctors and specialists are in-network with the Medicare plan you choose. You can ask your doctor directly or use the "Physician Compare" tool on the Medicare website to see if your doctor accepts Medicare.

    I can help you explore your options and find a plan with a provider network that includes your preferred healthcare professionals.

  • If you're still working and have retiree health benefits from your employer, you may have choices to make regarding your healthcare coverage when you become eligible for Medicare. I can help you understand how Medicare works with your retiree benefits and determine the best course of action for your situation.

  • Extra Help, also known as the Low-Income Subsidy (LIS) program, helps Medicare beneficiaries with limited income and resources pay for prescription drug costs. I can help you determine if you qualify for Extra Help and assist you in applying for the program if eligible.

  • If you have questions about your Medicare coverage or benefits, don't hesitate to reach out to me for assistance. I'm here to provide you with the guidance and support you need to navigate the Medicare system confidently. You can contact me at ben@agentbenji.com or by phone at 321-599-6326.

  • Medicare covers DME that is medically necessary and prescribed by your doctor for use in your home. This includes items like wheelchairs, walkers, hospital beds, and oxygen equipment.

  • Original Medicare does not cover routine vision, dental, or hearing services. Some Medicare Advantage Plans offer these additional benefits.

New to Medicare?… Not Ready to Shop Yet?

Watch our “Understanding Medicare” presentation!