Medicare

Since 1965, Medicare insurance has been a cornerstone of health care for millions of Americans. Chances are, if you’ve been paying into Social Security, you’ve also been contributing to Medicare. However, despite its prevalence, the world of Medicare can be a maze of confusing choices.

Your Local Experts in Englewood, Venice, Port Charlotte, North Port, Sarasota, and Punta Gorda

Our team of certified agents, based right here in South Florida, are specialists in helping you navigate the complicated landscape of Medicare and Medicare Insurance. We’re dedicated to making your transition into Medicare as smooth as possible. Whether you’re in Englewood, Venice, Port Charlotte, North Port, Sarasota, or Punta Gorda, our agents will help you understand the process, answer your questions, and guide you to the most beneficial selections.

Understanding Medicare

Medicare is a health insurance program that caters to three main groups:

• Individuals aged 65 and over
• People under 65 with certain disabilities
• People of any age with End-Stage Renal Disease (ESRD)

In our commitment to our communities in Englewood, Venice, Port Charlotte, North Port, Sarasota, and Punta Gorda, we’ll answer your Medicare questions, such as:

• The meaning and coverage of Part A and Part B
• The role of Part D in Medicare Insurance
• The timing for Medicare Insurance enrollment
• The implications of “Open Enrollment” for Medicare
• The costs and premiums involved with Medicare

Breaking Down Medicare

Medicare coverage can be categorized into two main parts: Part A or Hospital Coverage and Part B or Medical Coverage.

Medicare Part A: Hospital Coverage

This coverage typically includes:

• Inpatient hospital stays and skilled nursing facility stays
• Hospice and respite care
• Home health care

Medicare Part B: Medical Coverage

This coverage generally covers:

• Doctor visits
• Outpatient care, including lab tests
• Services not covered by Part A, like physical therapy
• Certain home health care services
• Some preventive services
• Durable medical equipment

Medicare Supplement Plans: Bridging the Gap

Medicare Parts A and B don’t cover everything. For instance, expenses such as deductibles and coinsurance often fall to the individual. That’s where Medicare supplement insurance plans come in. These plans, offered by private insurance companies, can help cover some of these out-of-pocket costs.

Moreover, with no network restrictions, Medicare supplement insurance plans can provide you with flexibility. This means you can visit any doctor who accepts Medicare patients, or see a specialist without needing a referral.

Choosing the Right Plan

Our certified agents can help you understand the various Medicare and Medicare-related insurance options, and help you make the choice that’s best for you.

Remember, when it comes to Medicare, it’s important to understand your options. Schedule an appointment with our experienced certified agents to discuss your options in Englewood, Venice, Port Charlotte, North Port, Sarasota, or Punta Gorda. During your appointment, we’ll sit down with you to answer any questions and discuss your individual needs in detail. Our mission is to simplify Medicare for you and ensure you get the best coverage to fit your needs.