Senior Insurance Plans

Choose the Best Senior Health Insurance Program

Are you looking for the right Medicare plan? It is a federal health insurance program which is applicable for people who are 65 or older, younger people with disabilities, and people with end-stage renal disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).

Check out the different parts of Medicare that help cover specific services:

Medicare Part A (Hospital Insurance)

• Covers in-patient hospital stays
• Care in a skilled nursing facility
• Hospice care
• Some types of home health care

Medicare Part B (Medical Insurance) 

• Certain doctors' services
• Outpatient care
• Medical supplies
• Preventive services

Medicare Part C (Medicare Advantage Plans)

This is a Medicare health plan offered by a private company that is offered in partnership with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include health maintenance organizations, preferred provider organizations, private fee-for-service plans, special needs plans, and Medicare medical savings account plans.

In a Medicare Advantage Plan, Medicare services are covered through the plan and aren't paid for under Original Medicare. Certain prescription drugs are covered under Medicare Advantage Plans.

Medicare Part D (Prescription Drug Coverage)

This plan covers:

• Prescription drugs to original Medicare
• Some Medicare cost plans
• Some Medicare private-fee-for-service plans
• Medicare medical savings account plans

These plans are offered by insurance companies and other private companies approved by Medicare. Medicare Advantage plans may also offer prescription drug coverage that follows the same rules as Medicare prescription drug plans.

For more assistance on which coverage to choose from, contact Baron & Associates, Inc for a FREE consultation.