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Senior health insurance can be a complicated topic. Our experts can help you to determine which plan is the best fit for you.
Medicare insurance is a government-sponsored senior health insurance program available to most people aged 65 or older and who have paid into Social Security. It’s divided into several sections with differing costs and choices.
Part A covers hospital treatment costs. In most cases there’s no premium payment, but recipients pay a deductible and also pay some coinsurance depending upon their medical treatments throughout the year.
Part B covers medical treatments outside of hospitals. Part B has an annual premium that is dependent on the recipient’s income and Social Security benefits. Recipients also pay a deductible and coinsurance.
Medicare recipients can also opt to take out a Medicare Advantage plan—sometimes called Part C. This means that the recipients will still pay for the Part B premium, but will get more choice over the balance of costs (premium, deductible and coinsurance) and coverage. They may also get coverage for services such as vision, hearing and dental that aren’t covered by ordinary Medicare.
Whichever plan you choose, the costs of prescription drugs are covered by Part D.
Senior health insurance can be a complicated issue, so please contact us today if you want to talk about your options.
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