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West Babylon, NY Residents: What is the Medicare Program?

Medicare is a federal health insurance program that provides coverage to individuals over the age of 65 and those with certain disabilities. There are four parts to the Medicare program: Parts A, B, C, and D. Part A covers inpatient care in Hospitals , Hospice care, and some Home Health Care . Part B covers Outpatient Care , such as Doctor visits, Preventive services, and Medical Equipment . Part C , also known as Medicare Advantage , is an alternative to traditional Medicare that covers both Part A and Part B benefits and most plans include a Part D Rx Plan. Part D covers Prescription Medications . To be eligible for Medicare, individuals must be either 65 years or older, have certain disabilities, or have been diagnosed with end-stage renal disease (ESRD).

Your Local West Babylon, NY Medicare Broker Has Medicare Advantage Plans -

Medicare Part C , also known as Medicare Advantage, is a type of health insurance plan offered by Medicare-approved private insurers. These plans provide all the coverage that a traditional Medicare plan offers (Part A and Part B) and often include additional benefits such as Prescription Drug Coverage (Part D) , vision, dental, and hearing
benefits, as well as wellness= programs and gym memberships. Medicare Advantage Plans are traditional Health Plans coming in HMO/PPO (And More) formats. Most come with a $00.00 Premium cost per month.

Close the Medicare Gaps In Coverage With A Medicare Supplement Plan With Your West Babylon, NY Medicare Broker -

While Medicare pays for many medical costs, it does not cover everything. Medicare Supplement plans) help bridge the gaps in coverage. Medigap policies are designed to cover the deductibles, co-payments, and other out-of-pocket expenses that traditional Medicare does not cover. While every Medigap policy must provide basic benefits of Medicare Part A and B, there are some differences in terms of cost-sharing and benefits. For instance, Plan F provides the most comprehensive coverage, including a foreign travel emergency; however, it is also the most expensive. With each successive plan, the premium decreases and the members’ cost share increases. Contact your West Babylon, NY Broker to find the Medicare Supplement Plan for your needs.

Find Prescription Drug Coverage In West Babylon, NY Through Your Local Broker -

The cost of medications can take a significant toll on your finances, especially when you’re on a fixed income. This is where Medicare Part D comes in. Medicare Part D is a stand alone Insurance Plan offered by Private Companies to go with Original Medicare(Part A and B). Part D provides a wide range of prescription drug coverage, from brand name drugs to generic drugs. It also covers some vaccines and medical supplies, such as syringes and test strips. Medication costs are determined by Tier Level and range from Generics to Specialty. Your mix of Medications will determine the most appropriate Part D Plan for you. Your Local West Babylon, NY Medicare Broker can advise you on how to find the right one.

Why Utilizing A Local West Babylon, NY Medicare Broker Is A Good Idea -

A Medicare broker, also known as a Medicare agent or advisor, is a licensed professional who helps individuals navigate the complex world of Medicare. They can provide guidance on Medicare Part A, Part B, Part C Medicare Advantage Plans, Part D prescription Drug Plans and Medicare Supplement(Medigap Plan). A Medicare broker can help you identify the most appropriate coverage options for your specific healthcare needs and budget. Your Local Medicare Broker lives in your area, is Licensed in your State, is Certified with Medicare, is appointed with Multiple Insurance Companies and is available 7 days a week for consultation.

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