Medicare is health insurance coverage for individuals age 65 or older, for individuals under age 65 with certain disabilities, or for any individual with End-Stage Renal Disease (kidney failure).
Medicare has specific areas of coverage:
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- Medicare Part A – Hospital Insurance
Helps cover hospital inpatient care, skilled-nursing services, home health care and hospice care - Medicare Part B – Medical Insurance
Helps cover doctors’ services, hospital outpatient care, home health care and some preventative services (such as mammograms, flu shots and Pap tests) - Medicare Advantage Plans (Part C)
A Medicare Advantage Plan (often an HMO or PPO) is run by a Medicare-approved insurance company. The Medicare Advantage Plan includes Part A, Part B and other coverage (such as the prescription-drug coverage of Part D). - Medicare Part D – Prescription Drug Plan (Coverage)
Part D is a prescription-drug option run by a Medicare-approved insurance company. This option helps cover the cost of prescription drugs and protects against increases in drug costs. - Medicare Supplement Insurance – “Medigap”
Sometimes a “gap” in medical or health-services coverage is best filled using a specific Medicare supplement option. Programs like Medigap help pay out-of-pocket costs not covered by Medicare.
- Medicare Part A – Hospital Insurance
Generally only Medicare Part A (Hospital Insurance) is available premium-free to those who meet eligibility requirements. Other Medicare coverage may involve a monthly premium for enrollment.
DCA Insurance has extensive experience working with Medicare and can help you determine your eligibility for specific Medicare coverage.
Additionally, we are able to offer you a Medicare Advantage Plan that will provide all your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage along with additional options you may need, such as vision, hearing, dental or other health and wellness programs. Prescription-drug coverage (Part D) is often included in a Medicare Advantage Plan.
Your situation will be unique, and we can help you understand your options and make informed decisions about how to maximize your Medicare benefits.
- You can only join a Medicare plan at certain times during the year.
- You can join a Medicare Advantage Plan even if you have a pre-existing condition, except for End-Stage Renal Disease (kidney failure).
Let DCA Insurance be your trusted partner in finding the Medicare package that’s right for you.
Let Medicare work to your advantage!
DCA Insurance looks forward to providing you with the professional, personalized service you deserve. Call (954) 349-7103 or e-mail us for a FREE, no-obligation quote today.
