Medicare 101
Medicare Advantage is a type of Medicare health plan offered by a private company that contracts with Medicare. Medicare Advantage Plans provide all of your Part A and Part B benefits. Medicare Advantage Plans include:
Health Maintenance Organizations
Preferred Provider Organizations
Private Fee-for-Service Plans
Special Needs Plans
Medicare Medical Savings Account Plans
If you’re enrolled in a Medicare Advantage Plan:
Most Medicare services are covered through the plan
Medicare services aren’t paid for by Original Medicare
Most Medicare Advantage Plans offer prescription drug coverage.
Below you will find a quick overview about Medicare Supplement Insurance Plans, also known as Medigap plans.
Medigap is Medicare Supplement Insurance that helps fill "gaps" in Original Medicare and is sold by private companies. Original Medicare pays for much (80%), but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like:
Copayments
Coinsurance
Deductibles
Some Medigap policies also cover services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, here's what happens:
Medicare will pay its share (80%) of the Medicare-approved amount for covered health care costs.
Then, your Medigap policy pays its share (20%).
Please do not hesitate to reach out and request a no-cost consultation to review your situation.
Below you will find a quick overview about Medicare Prescription Drug Plans.
Part D adds prescription drug coverage to:
Original Medicare
Some Medicare Cost Plans
Some Medicare Private-Fee-for-Service Plans
Medicare Medical Savings Account Plans
These plans are offered by insurance companies and other private companies approved by Medicare. Medicare Advantage Plans may also offer prescription drug coverage that follows the same rules as Medicare Prescription Drug Plans.
We offer a wide range of products that can supply extra protection on top of your traditional medical plan. Having this type of insurance can save you thousands of dollars in medical bills. See the information below to read more about the types of supplemental insurance we have available. Supplemental coverage options, also referred to as ancillary benefits, are often overlooked, but are an affordable health insurance option for many individuals and families.
We provide the following types of supplemental insurance protection:
Critical Illness Plans
Dental, Vision, & Hearing
Final Expense
Hospital Indemnity
Life and Disability
Almost 65 Benefits Advisors is a d/b/a of J King Insurance Agency, Inc., a licensed health insurance agency. We are not affiliated with, endorsed by, or acting on behalf of the U.S. government or the federal Medicare program.
We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer. Please visit Medicare.gov, call 1-800-MEDICARE, or contact your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
Benefits education and guidance are provided for informational purposes and are not investment, tax, or legal advice.
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