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 Medicare Overview

Mike explains in this short video the parts of Medicare.

Mike explains your two options for covering the 20% that Medicare doesn’t cover.

Medicare is a government healthcare program in the United States that provides essential coverage for seniors and some individuals with disabilities. It has four main parts: A, B, C, and D, each serving a unique purpose.

Medicare Part A is often called “hospital insurance.” It covers inpatient care in hospitals, skilled nursing facilities, and some home health care services. If you’ve paid into Medicare through payroll taxes, you typically don’t have to pay a premium for Part A.
Medicare Part B is known as “medical insurance.” It covers doctor visits, outpatient care, preventive services, and some medical equipment. There is a monthly premium for Part B, but it’s essential for comprehensive healthcare coverage.
Medicare Part C is is also known as Medicare Advantage. It’s an alternative to Original Medicare (Parts A and B) and is offered by private insurance companies. Part C plans often include prescription drug coverage (Part D) and additional benefits like dental and vision.
Medicare Part D is the prescription drug coverage part of Medicare. It helps pay for the cost of prescription medications and is offered through private insurance companies. It’s vital for anyone who needs prescription drugs to manage their health.

In a nutshell, Medicare A covers hospital care, B covers medical services, C is an alternative to A and B offered by private insurers, and D helps with prescription drug costs. These parts work together to provide comprehensive healthcare options for eligible individuals.

Medicare Advantage and Medigap

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Medicare Advantage is like an all-in-one package deal offered by private insurance companies. It combines your hospital and medical coverage into a single plan. These plans often throw in extras like drug coverage, dental, and eye care. But here’s the catch: you have to use the doctors and hospitals they approve, and sometimes you pay extra for each doctor visit or service. It’s a good choice if you want everything in one place and don’t mind sticking to their list of providers.
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Medigap , on the other hand, is like a sidekick to your regular Medicare. With regular Medicare, you’re responsible for some costs, like deductibles and co-payments. Medigap plans, sold by private insurers, step in to pay these extra expenses. The Benefit is, you can go to any doctor who accepts Medicare, no need to stick to a network. You pay a monthly fee for Medigap, but it helps cover those surprise medical bills. So, if you want more freedom in choosing your doctors and less worry about extra costs, Medigap might be your jam.

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In a nutshell, Medicare Advantage is like a bundled deal with perks, but you play by their rules. Medigap is your trusty sidekick to regular Medicare, giving you more freedom to choose your healthcare heroes and fewer surprises in your medical bills. Your choice depends on what suits your needs and how much freedom you want in your healthcare.

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