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Medicare Explained
Medicare Explained

Medicare is a national health insurance program for folks who are 65 or older, certain younger people with disabilities, and those with end-stage renal disease.

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What is Medicare?

What Does Medicare Cover

Medicare Eligibility

Medicare vs Medicaid

Medicare Under 65

Costs of Medicare

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Medicare & Employer Coverage

Dental Vision & Hearing

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Parts of Medicare
Parts of Medicare

If you aren’t sure as to what all the parts of Medicare are, we have compiled all of them for you.

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Medicare Part A

Medicare Part B

Medicare Part D

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Medicare Supplements
Medicare Supplements

Known as Medigap Plans, Medicare Supplement Plans fill in the “gaps” of medical costs that aren’t covered by Original Medicare, such as coinsurance, copayments, and deductibles.

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What are Medicare Supplements

Medicare Supplement Plans

Medicare Supplement Plan Comparison

Medigap Plan A

Medigap Plan B

Medigap Plan C

Medigap Plan D

Medigap Plan F

Medigap Plan G

Medigap Plan K

Medigap Plan L

Medigap Plan M

Medigap Plan N

High Deductible Plan F

High Deductible Plan G
Medicare Advantage
Medicare Advantage

Medicare Advantage Plans, or Medicare Part C, can be used to substitute Medicare Part A and B, as well as offer prescription drug coverage.

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PPO Plans

HMO Plans

Medicare Medical Savings Acct Loans

Private Fee for Service

Advantage For Veterans

D-SNP

C-SNP

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Veterans

Advantage for Veterans

Medicare Advantage can be combined with VA benefits to provide complete medical coverage to veterans. It is a great option for those who need a lot of healthcare at a low cost.

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Medicare Enrollment
Medicare Enrollment

You can enroll in Original Medicare three months before you turn 65 until three months after the month of your 65th birthday.

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Initial Enrollment

Annual Open Enrollment

Special Enrollment Period

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Compare Options
Compare Options

Our agents can help educate you on what is available in your area.

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Choosing a Medicare Plan

Medicare Supplement Insurance Companies

Carriers

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Blog

Blog

We have acquired an abundance of knowledge, and we’re eager to share this expertise with you in the form of articles and blog posts.

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HMO vs. PPO: Differences?

A Medicare Advantage Plan is an addition to Original Medicare. Medicare Advantage Plans typically offer extra coverage

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November 19, 2020

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Podcast

Podcast

We’re here to inform people of all ages about Medicare options, we’ll answer frequently asked questions and dispel myths! Mix in a little humor and entertainment and you’ve got Medicare Misty!

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Contact

Contact Us

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Call us now at 423-240-0794

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Costs of Original Medicare

Part A:

Home Health Care: $0 for home health care services and 20% of the Medicare-approved amount for Durable medical equipment (DME).
Hospice Care: $0 for hospice care, no more than a $5 copayment for each prescription drug, 5% of the Medicare-approved amount for inpatient care. Room and board are not covered.
Hospital Inpatient Stays: $1,408 deductible for each benefit period, $0 coinsurance for each benefit period for the first 60 days, $352 coinsurance per day of each benefit period up to 90 days, $704 coinsurance per each “lifetime reserve day” after day 90 for each benefit period.
Mental Health Inpatient Stays: 20% of the Medicare-approved amount for mental health services you get from doctors and other providers while you’re a hospital inpatient.
Skilled Nursing Facility Stay: $0 for each benefit period for the first 20 days, $176 coinsurance per day of each benefit period up to 100 days, all costs beyond 100 days must be paid out-of-pocket.

Part B:

Deductible Percentages: After your deductible is met, most pay about 20% of most doctor services, outpatient therapy, and durable medical equipment (DME). You pay $0 for clinical laboratory services.
Home Healthcare: $0 for home health care services and 20% of durable medical equipment (DME) costs.
Outpatient Mental Healthcare: $0 for depression screenings if accepted, 20% of the Medicare-approved amount for visits to your doctor or other healthcare providers, and additional copayments/coinsurance for outpatient visits.

You will also be required to pay a yearly deductible and monthly premium. The monthly premium you receive is dependent on your income. For Part B, the standard premium is $144.60, and the yearly deductible is $198.

Many people are eligible for premium-free Medicare Part A:

You are 65 or older and currently receive Social Security or Railroad Retirement Board (RRB) Benefits.
You are 65 or older and eligible for these benefits but have not yet applied.
You or your spouse are 65 or older and have/had Medicare-covered by government employment.
You are under 65 and received Social Security or RRB disability benefits for at least 24 months.
You are under 65 and have End-Stage Renal Disease (ESRD).

If you do not meet these requirements, your Part A premium is based on your income, the average charge being $252 in 2020.

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Costs of Medicare Part C and D

Medicare Advantage, or Medicare Part C, is an alternative coverage option to Original Medicare that provides additional coverage options. Its cost is largely dependent on the provider you choose. The same generally also applies to Part D prescription drug coverage. There are certain factors you can consider to estimate costs:

The Plan’s Monthly Premium
The Plan’s Yearly Deductible
The Plan’s Copayments/Coinsurance
The Plan’s Limit on Out-of-Pocket Costs

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We want to match you with a plan that best suits your healthcare needs and budget. If you would like to speak with one of our expert insurance agents, call (423) 240-0794 for a free quote!

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Costs of Original Medicare

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Costs of Medicare Part C and D

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