Your Medicare Advisers

Feeling overwhelmed…confused?  You are not alone. If you’re turning 65 or looking to review your current health insurance coverage, we can help. We listen to your needs, provide you with a range of health plan options and help you understand the benefits and drawbacks of each plan. Call today and ask for Brandon, Michael or Robert.

What is Medicare?

  • Medicare is a health insurance program for:
  • People age 65 or older.
  • People under age 65 with certain disabilities.
  • People of all ages with End-Stage Renal Disease
  • Click to get the 2019 Medicare Handbook

Medicare has different parts that help cover specific services:

Medicare Part A (Hospital Insurance) – Part A helps cover inpatient care in hospitals, including critical access hospitals, and skilled nursing facilities (not custodial or long-term care). It also helps cover hospice care and some home health care. Beneficiaries must meet certain conditions to get these benefits. Most people don’t pay a premium for Part A because they or a spouse already paid for it through their payroll taxes while working.

Medicare Part B (Medical Insurance) – Part B helps cover doctors’ services and outpatient care. It also covers some other medical services that Part A doesn’t cover, such as some of the services of physical and occupational therapists, and some home health care. Part B helps pay for these covered services and supplies when they are medically necessary. Most people pay a monthly premium for Part B.

Medicare Part D (Prescription Drug Coverage) – Medicare prescription drug coverage is available to everyone with Medicare. To get Medicare prescription drug coverage, people must join a plan approved by Medicare that offers Medicare drug coverage. Most people pay a monthly premium for Part D.

Get Help

Medicare Supplement or Medicare Advantage?  What’s the right plan for you?  Do you prefer premium payments that offer fixed costs for medical services, or would you prefer to only pay for healthcare when you actually need it?  Life changes, call today and lets discuss the right plan for you. Do you have EPIC? Take a look most qualify and all tax payers help fund EPIC.

Question about NY’s health exchange? Do you have medicaid and medicare? Essential plans have a range of costs and are income and family based. Small businesses may be eligible for tax benefits for offering plans whether or not the business pays for them. Essential plans help New York residents.