What Is Medicare + Who Is It For?
Medicare is health insurance for people age 65 or older, under 65 with certain disabilities, or any age with End-stage Renal Disease (permanent kidney failure).
Let Me Explain
Part A
Hospital Insurance - Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
Part B
Medical Insurance - Part B covers certain doctors services, outpatient care, medical supplies, and preventive services.
Part D
Prescription Drug Coverage - Helps cover the cost of prescription drugs including many recommended shots or vaccines.
What Medicare Part A + B Do Not Cover
This does not pertain to private medicare insurance (ie, advantage plans)
· MOST D E N TA L C A R E
· D E N T U R E S
· V I S I O N
· H E A R I N G E X A M S & H E A R I N G A I D S
· C O S M E T I C S U R G E R Y
· M A S S A G E T H E R A P Y
· A C U P U N C T U R E
· T R A N S P O R TA T I O N
· L O N G - T E R M C A R E (C U S T O D I A L C A R E )
Private Insurance Plan Options
Advantage Plans
Are “all in one” alternatives to Original Medicare. PPOs & HMOs are the most popular Advantage Plans. These “bundled” plans include Part A, Part B, and usually Part D. These plans may have co-pays and other out of pocket costs. Most plans offer extra benefits Original Medicare doesn’t cover — like dental, vision, hearing, over the counter (OTC) products, fitness memberships and more.
Plans have yearly contracts with Medicare and must follow Medicare’s coverage rules. Each Medicare Advantage Plan can charge different out-of-pocket costs. Premiums are as low as $0 per month.
Medigap Plans
Help fill "gaps" in Original Medicare. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medigap (Medicare Supplement) policy can help pay some of the remaining health care costs, like: Copayments, Coinsurances & Deductibles. Medigap Plans do not provide Part D (prescription) coverage or additional Non-Medicare covered benefits.
Due to health reasons, coverage can be denied or premium increased (except initial eligibility). All plans have a monthly premium, varies by coverage.
Prescription Plans
Can vary in cost and specific drugs covered, however must give at least a standard level of coverage set by Medicare. Medicare drug coverage includes generic and brand-name drugs. Plans can vary the list of prescription drugs they cover (called a formulary) and how they place drugs into different "tiers" on their formularies. How much you pay for each drug depends on which plan you choose. Plans have different monthly premiums. You can have this plan on it’s own or combine with a Medigap plan.
Prescription coverage can be included in Advantage Plans; added as a separate “stand-alone” plan with Medigap Plans; added as a “stand-alone” plan with Original Medicare. “Stand-alone” plans have premiums. Premiums will vary with different plans.
“I do not offer every plan available in your area. Any information I provide is limited to those plans I do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.”
Supplemental Coverages
Navigate lifes twists + turns
HELP COVERING THE UNEXPECTED
DENTAL/VISION
ACCIDENT
CANCER
HOSPITAL INDEMNITY
RECOVERY CARE
CRITICAL ILLNESS
HOME CARE
LONG TERM CARE
Wilfinger Health + Life Is A Licensed Independent Agent
I work with a wide variety of insurance companies to ensure my clients needs are met. As an independent agent I don’t work for any specific insurance company I work for you.
Is an insurance you are interested in not listed? Contact us today!
2022 Open Enrollment
Annual Enrollment Period Oct 15th - Dec 7th 2021
new + updated plans are available
With plans and pricing changing every year as well as your situation, Wilfinger Health & Life is helping you navigate through the open enrollment process.
I recommend everyone to check out new insurances each year as well as update their application and financial information. If you do not update this information you may be automatically enrolled in the same or a different plan and your premium tax credit as well as other savings could be wrong.
featured
The 5 Important Insurance Terms You Need To Know
When it comes to choosing the right health insurance plan for you there is no doubt that it can easily become a overwhelming and confusing journey. At Wilfinger Health + Life we are passionate about ensuring that our clients are secure and confident in their health insurance choices.