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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

We’re just a phone call away.
Call us now at 423-240-0794

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Medicare Advantage

Medicare Advantage, sometimes referred to as Medicare Plan C, is an alternative to Original Medicare (Parts A and B). It provides additional benefits and coverage that Original Medicare alone does not.

Medicare Advantage vs. Original Medicare

Medicare Advantage is an “all-in-one” solution to Original Medicare. Under Original Medicare alone, medical equipment and services such as dental, vision, and hearing are not covered. Medicare Advantage, on the other hand, includes all of the coverage of Original Medicare with many additional benefits as well.

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Medicare Advantage vs. Medigap Supplemental Insurance

There are certain healthcare costs that are not covered by Original Medicare, such as out-of-pocket copayments and coinsurance. Medigap plans are intended to supplement these costs.

Medicare Advantage, on the other hand, provides additional benefits rather than cost coverage for Original Medicare. Medicare Advantage, for example, will cover the cost of hearing aids, but not your Part B copayments. Medigap, on the other hand, will cover Part B copayments but not hearing aids.

Medicare Advantage Plan Options

There are four common variations of Medicare Advantage plans, each covering their own necessary medical and healthcare needs. These plans are:

Special Needs Plans (SNPs)

Plans tailored to their group’s needs
Requires in-network care unless for emergencies or out-of-area dialysis
Offers full prescription drug coverage
Most require a primary care doctor
Check for limited membership requirements

Preferred Provider Organization (PPO)

Allows for out-of-network visits
Most cover prescription drugs
No primary care doctor required
Does not require specialist referrals

Health Maintenance Organization (HMO)

In-network care except for emergency visits, out-of-area urgent care, or out-of-area dialysis
Most cover prescription drugs
Most require a primary care doctor and specialist referral

Private Fee-for-Service (PFFS)

Allows out-of-network care by those who accept the plan’s terms
Prescription drug coverage depends on the provider
Does not require a primary care doctor
Does not require specialist referrals

Call MedicareMisty for Help!

Finding a plan that best suits your healthcare needs is difficult—why not let us help? Our goal is your health and security above all else. If you would like to learn more about your coverage options and receive a free quote, give us a call at (423) 240-0794.

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