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Understanding

Medicare
&
Additional Coverage

Original Medicare consists of Part A and Part B. Most people qualify for Part A when they turn 65, though there are specific enrollment periods. Some scenarios, like having health insurance though an employer, can affect enrollment timelines. Also, those who have been receiving disability for two years usually automatically qualify. 

 

Individuals usually become eligible for Part B at the same time as Part A. However, enrollment in Part B is optional, and requires a monthly premium. Again, there are specific time periods during which a person should enroll (or can choose to opt-out). Those who've received disability for two years automatically qualify for this part of Medicare as well. 

 

Part C (Medicare Advantage) plans are an alternative to Original Medicare, and

Medigap (Medicare Supplements) are plans that "fill in the gaps" of Original Medicare. See the info below and also visit the services page to learn more about what these plans provide.

 

Part D is prescription drug Coverage and can be incorporated in different ways. 

 

Read on to learn about what each part covers.

Part A

Part A is hospital insurance. It helps with inpatient hospital stays, skilled nursing facility services, some home health benefits, and includes hospice. 

Hospital insurance medicare part a
Doctor medical insurance medicare part b

Part B

Part B is medical insurance. It helps with the cost of doctor visits and other services like outpatient hospital care, certain diagnostic screenings & lab tests, some vaccines and Durable Medical Equipment (DME).

Part C
(Medicare Advantage)

Medicare Advantage plans are offered through private insurance companies. They provide at least the same level of coverage as Original Medicare (hospital & medical insurance). A person must be entitled to Part A & enrolled in Part B to qualify for a Part C plan. Click here to learn more about the different types of Medicare Advantage Plans. 

Allopathic Treatment
Pharmacist part d prescription drug coverage

Part D

Prescription drug coverage is offered through Private insurance companies. Be aware that there can be a late enrollment penalty if an individual chooses to opt out of Part D when initially eligible, but chooses to enroll at a later time. 

Doctor and Patient

Medigap
(Medicare Supplement)

Medicare Supplement Plans are also offered through private insurance companies. They help "fill in the gaps" of Original Medicare, and cover some or all of Medicares deductibles & copays. Any facility that accepts Medicare will accept these plans. Click here to learn more. 

Doctor and Patient medicare supplement

Have questions? Call for a no-cost consultation.

Calling will direct you to a licensed agent

Service Areas

Pender, New Hanover, Duplin & surrounding counties 

We do not offer every plan available in your area. Any information we provide is limited to 25 plans we offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options. This is a proprietary website and is not associated, endorsed, or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program, please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov

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