Medicare A and B Aren’t Enough

Why Medicare A and B Aren’t Enough

Medicare A and B Don’t Cover All your Costs

Also, They Don’t include Medicare Drug Coverage

Navigating Medicare Insurance
The 4 Parts of Medicare
Medicare Insurance coverage
The 4 Parts Of Medicare

Medicare Insurance Consists of 4 Parts Shown Above.

Why Medicare A and B Aren’t Enough.

Renee Lempert Medicare Insurance Broker Recommends you Improve your Medicare A and B Coverage. In addition, she will help you save money.

  • Medicare A (Hospital Insurance) has deductibles and copayments when you use it and there is no annual limit to your potential costs
  • Medicare B (Medical Insurance) also does not pay all your costs. Medicare pays 80% and you are responsbible for 20%. In addition there are no annual limits to your potential costs
  • Medicare A and B do not include drug coverage. In order to get drug coverage, you need to enroll in Prescription Drug Plan. You can choose either a stand alone drug plan or an all-in-one Medicare Advantage Plan.
  • In you decide to stay enrolled in Original Medicare, you should enroll in a Medicare Supplement Plan. However, you can not enroll in a Medicare Advantage plan if you also have a Medicare Supplement Plan and vice a versa.
  • Medicare Advantage Plans are all-in-one health plans. In addition, the plans usually include drug coverage. They are usually HMOs and PPOs. Many of the plans have a “0” monthly premiums but charge copay’s for services. Similarly, they include free or low cost additional benefits. For instance, dental, vision, hearing, gym memberships, and over the counter health products.
  • In summary, it’s important that you learn what your options are and how much each option will cost you. Original Medicare with a Medicare Supplement plan gives you freedom of choice. However, you have to pay every month for the coverage, whether you use it or not that month. On the other hand, Medicare Advantage plans, have free benefits but restrictions on how you can access your benefits.

Resources recommended by Medicare Health Insurance Broker:

For additional free, unbiased information about Medicare and supplemental health and drug insurance plans call Renee Lempert at Medicare Health Insurance or use the resources above:

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