Medicare Coverage

Medicare is federal health insurance for people 65 or older, some younger people with disabilities, people with End-Stage Renal Disease.  Original Medicare includes Parts A, B & D.

Original Medicare:

• Original Medicare includes Part A and Part B.

• You can join a separate Medicare drug plan to get Medicare drug coverage (Part D).

• You can use any doctor or hospital that takes Medicare, anywhere in the U.S.

• To help pay your out-of-pocket costs in Original Medicare (like your 20% coinsurance), you can also buy supplemental coverage, like Medicare Supplement Insurance (Medigap), or have coverage from a former employer or union, or Medicaid.

Now that you are approaching your 65th birthday, planning to retire, or living with a disability, you may need the advice of a professional.  Right Choice Insurance Advisors can simplify this important shift in healthcare protection with confidence and ease.  We help you to understand the "Parts" of Original Medicare, develop specific strategies, and evaluate plan options based on individual needs.

• Medicare Advantage is a Medicare-approved plan from a private company that offers an alternative to Original Medicare for your health and drug coverage. These “bundled” plans include Part A, Part B, and usually Part D.

• In most cases, you’ll need to use doctors who are in the plan’s network.

• Plans may have lower out-of-pocket costs than Original Medicare.

• Plans may offer some extra benefits that Original Medicare doesn’t cover — like vision, hearing, and dental services.