As more baby boomers reach the age of 65, when they qualify for Medicare, they have questions about the program and the various parts that can be considered. At A. L. Saland Insurance Solutions Inc in Odessa, FL, we can help you with any questions you may have about Medicare Part A, Medicare Part B, and the other parts that are optional, which add additional coverage but at additional premiums.
Here is an explanation of the parts of Medicare for your consideration:
Part A
This is the basic foundational level of Medicare, and Part A is always included if you have Medicare. If you (or your spouse) worked at least ten years and had Medicare payments taken from your paycheck, you don’t have to pay any premiums for Medicare Part A.
Part A includes inpatient hospital care, skilled nursing facility care, hospice care, and some home health care.
Part B
To get Part B, you must pay a premium. Part B covers outpatient care (seeing a doctor), preventative care, and some home health care.
Part C
Part C is also called Medicare Advantage. To get Part C, you must pay a premium. It is private insurance that covers the same things as Medicare Part A and Part B, and may include additional coverage for things like vision care and dental care.
Part D
To get Part D, you must pay a premium. Part D covers prescription drugs to try to reduce their cost.
Medigap
To get Medigap, you must pay a premium. This is additional private insurance to help cover some things that Medicare does not cover.
Yikes! It’s a complicated choice. Don’t worry, we can help. You can get more information by reaching out to us at A. L. Saland Insurance Solutions Inc in Odessa, FL, for all your Medicare insurance needs.
