Medicare
Medicare 101
Medicare Part A
Medicare Part A helps pay for inpatient care you get in hospitals, critical access hospitals, and skilled nursing facilities. It also helps cover hospice care and some home health care.
Medicare Part B
Part B helps cover services from doctors and other health care providers, outpatient care, home health care, durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment), and many preventive services (like screenings, shots or vaccines, and yearly “Wellness” visits)
Medicare Advantage (Part C)
Medicare Advantage is a Medicare-approved plan from a private company that offers an alternative to Original Medicare for your health and drug coverage. These “bundled” plans include Part A, Part B, and usually Part D.
Medicare Supplement (Medigap Plans)
Extra insurance you can buy from a private company that helps pay your share of costs in Original Medicare. Policies are standardized, and in most states named by letters, like Plan G or Plan K. The benefits in each lettered plan are the same, no matter which insurance company sells it.
Prescription Drug Plans (Part D)
Part D helps cover the cost of prescription drugs (including many recommended shots or vaccines). You join a Medicare drug plan in addition to Original Medicare, or you get it by joining a Medicare Advantage Plan with drug coverage.
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To act in the best interest of my clients by building long term relationships and providing quality service with personal and professional advise.
Frequently Asked Questions
How Do I Know If I Am Eligible For Medicare?
Generally, Medicare is for people 65 or older. You may be able to get Medicare earlier if you have a disability, End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant), or ALS (also called Lou Gehrig’s disease).
What Is The Difference Between Supplement & Advantage?
Medicare Advantage bundles Original Medicare Parts A and B into one plan and usually includes Medicare Part D prescription drug coverage. These plans typically have low premiums and you usually have to stay within a network of doctors. Some Medicare Advantage plans may also offer extra benefits, such as routine dental, vision and hearing services.
A Medicare Supplement plan, also called Medigap, isn’t bundled with anything. This is extra coverage which helps pay the costs that original Medicare doesn't. These plans usually have a high premium and allow you to go to any doctor that accepts Medicare. Typically you need to purchase a separate prescription drug plan in addition to your Supplement plan.
How Can I Get Help With My Drug Payments?
There is a program called Extra Help that will help pay for drug costs and plan premiums.
To see if you qualify for Extra Help just complete our Application for Extra Help with Medicare Prescription Drug Plan Costs (Form SSA-1020).
Apply online at www.ssa.gov/medicare/part-d-extrahelp, call Social Security at 1-800-772-1213 (TTY 1-800-325-0778) to apply over the phone or to request an application, apply at your local Social Security office.
What Is AEP And OEP?
The Annual Election Period (AEP) and Medicare Advantage Open Enrollment Period (MA OEP) allow Medicare beneficiaries to make changes to the way they receive their Medicare coverage.
What If I Have Medicaid?
People who are eligible for both Medicare and Medicaid are called "dual eligible". When someone is dual eligible, their Medicare and Medicaid plans work together to cover their healthcare costs. Medicare pays first and then Medicaid pays last. Medicare covers your prescription drugs, but Medicaid may cover some drugs that Medicare doesn't cover.
If you have both Medicare and Medicaid, you may be eligible for a plan that gives you more health care coverage than you currently get. You could receive a monthly credit to buy healthy foods, over-the-counter products, and pay utility bills such as electricity, gas, water and internet
How Can I Get A Replacement Medicare Card?
Log into (or create) your secure Medicare account to print or order an official copy of your Medicare card. You can also call 1-800-MEDICARE (1-800-633-4227) to order a replacement card to be sent in the mail. TTY users can call 1-877-486-2048.
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We do not offer every plan available in your area. Currently we represent 6 organizations which offer 54 plans in your area.
Please contact , 1-800 MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options."
Dominic Colonero is not connected to the Federal Medicare Program. This is a solicitation for insurance.