Medicare
Coverage Options
Medicare Part A and Part B (Original Medicare) do not cover all medical expenses. Obtaining additional coverage can help you better manage or reduce your out-of-pocket costs.
Medicare
Coverage Options
Medicare Part A and Part B (Original Medicare) do not cover all medical expenses. Obtaining additional coverage can help you better manage or reduce your out-of-pocket costs.
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I was referring to family and friends here. I loved what she was doing. What was a conversation of compliments turned into a business partnership. I was impressed by how efficient and effective the level of service provided by her agency and brokers throughout Fresno County and communities. If you know someone who has questions regarding health insurance, Medicare, Health , Retirement Plans , or life insurance, please contact Marcy’s HartI was referring to family and friends here. I was impressed by how she transformed a conversation of compliments into a business partnership. Her agency and brokers provided efficient and effective service throughout Fresno County and its communities. If you know someone with questions about health insurance, Medicare, health, retirement plans, or life insurance, please contact Marcy’s Hart.
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Your Options
Medicare Advantage
(Part C)
Provides all Medicare Part A and Part B benefits, along with additional services like wellness programs, hearing aids, and vision
services.
Prescription Drug Coverage
(Part D)
Is an option for those with Original Medicare, providing coverage for prescription drug costs.
Note: Individuals enrolled in Medicare Advantage plans typically do not need to purchase a separate Part D plan, as prescription drug coverage is often included in
Medicare Advantage plans.
Medigap
(Medicare Supplement)
Is an option for individuals with Original Medicare, covering out-of-pocket costs for health expenses not typically covered by Medicare Parts A and B (Original Medicare).
Note: Those enrolled in Medicare Advantage plans typically do not need to purchase a Medigap plan, as Medicare Advantage often provides similar coverage.
Your Options
Medicare Advantage
(Part C)
Provides all Medicare Part A and Part B benefits, along with
additional services like wellness
programs, hearing aids, and vision
services.
Prescription Drug Coverage
(Part D)
Is an option for those with Original Medicare, providing coverage for prescription drug costs.
Note: Individuals enrolled in Medicare Advantage plans typically do not need to purchase a separate Part D plan, as prescription drug coverage is often included in Medicare Advantage plans.
Medigap
(Medicare Supplement)
Is an option for individuals with Original Medicare, covering out-of-pocket costs for health expenses not typically covered by Medicare Parts A and B (Original Medicare).
Note: Those enrolled in Medicare Advantage plans typically do not need to purchase a Medigap plan, as Medicare Advantage often provides similar coverage.
Comparison of Your Options
Plan
Medicare Advantage
(Part C)
Prescription Drug Coverage (Part D)
Medigap
(Medicare Supplement)
Premium
All Medicare Advantage plans require that you continue to pay your Part B insurance premium.
You may also have a separate monthly insurance premium for your Medicare Advantage plan.
Most Part D plans require a monthly premium. These premiums may change each year.
You will be notified of these changes in the fall prior to the annual Open Enrollment Period.
All Medigap plans require that you continue to pay your Part B premium and a separate premium for Medigap coverage.
Deductible
Some plans have deductibles.
Some plans have deductibles.
Some plans have deductibles.
Copays
There may be copayments that apply to specific services.
Many Part D plans require a fixed copayment each time you fill a prescription.
There may be copayments that apply to specific services.
Coinsurance
May apply to specific services.
Some plans require that you pay coinsurance for a medication every time you fill a prescription.
Coinsurance varies depending on the plan.
Coverage Gap
All plans have an annual limit on your out-of-pocket expenses.
Most Medicare Part D plans incorporate a cost-sharing feature commonly referred to as a coverage gap or "donut hole."
The coverage gap represents a temporary threshold wherein you are accountable for covering all of your drug expenses until you reach the plan's annual out-of-pocket limit. Once you reach this limit, you will only be responsible for paying a small portion of your prescription costs for the remainder of the year.
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Looking for a First-Class Medicare Consultant?
Looking for a First-Class Medicare Consultant?
Michael Gutierrez is committed to serving you at the highest level with all your Medicare needs.
National Producer Number: 22112661
DISCLAIMER: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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Michael Gutierrez is committed to serving you at the highest level with all your Medicare needs.
National Producer Number: 22112661
DISCLAIMER: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Company
Directories
Legal