Health Insurance
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If you are 65 or older, or approaching 65, you’ve probably already given some thought to Medicare, but did you know you have many more options open to you than original Medicare alone? Medicare Advantage plans, supplementary coverage and prescription plans are available to help enhance your benefits
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Original Medicare (Part A and Part B)
Medicare Part A and Medicare Part B are often referred to as Original Medicare.
Original Medicare is managed by the federal government and provides Medicare eligible individuals with coverage for and access to doctors, hospitals, or other health care providers who accepts Medicare.
Medicare Part D
Medicare Part D prescription drug coverage, often referred to as Part D or PDP.
Part D is provided and coordinated by Medicare-approved private insurance companies. Any beneficiary who is eligible for Original Medicare, Part A and/or Part B, and permanently resides in the service area of a Medicare Prescription Drug Plan, can sign-up for Medicare Part D.
Medicare Advantage Plan (Part C)
A Medicare Advantage plan is a private health insurance plan approved by Medicare. You may opt to get your Part A, B and D benefits from a Medicare Advantage plan instead of traditional Medicare. Originally called Part C, these Medicare private insurance plans usually have an HMO or PPO network of doctors.
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You must continue to pay your Medicare Part B premium while enrolled in an Advantage plan. You must be enrolled in both Medicare Parts A and B and live in the plan’s service area.
Medicare Supplement Plan (Medigap)
There are eleven standard Medigap policies available in most states. Each lettered plan — A through G and K through N — offers a different set of benefits, filling different gaps in Medicare Parts A and B coverage. All Medigap plans with the same letter provide the same benefits. Only the premiums and the sponsors of the plans vary.
Unlike other private Medicare insurance plans, Medigap plans are regulated by the states. And while the specific coverage in the 11 different types of plans are dictated by federal rules, the prices and availability of the plans depend on state rules.
Dental
Dental insurance covers issues related to the teeth, gums and preventative care such as annual cleanings. Not all procedures are covered such as cosmetic procedures like crowns or whitening. There are deductibles, co-pays, and co-insurance that applies with most dental plans. And many policies have annual coverage maximums that are relatively low.
Major Medical
Major medical insurance is a long-term, comprehensive health insurance plan designed to cover a majority percentage of the medical costs an average person will pay in a given year. Major medical insurance is sold by insurance companies through private or public health insurance marketplace.
Group Health Coverage
Group health insurance plans are designed to be more cost-effective for businesses. Employee premiums are typically less expensive than those for an individual health plan. Premiums are paid with pretax dollars, which help employees pay less in annual taxes. Employers pay lower payroll taxes and can deduct their annual contributions. The money an employer pays for employees to have health insurance and other benefits. when calculating income taxes.