Medicare Planning — Premier Health Advisors

When you become eligible for Medicare, it can be a very confusing, emotional, and stressful time. We at Premier Health Advisors are here to help you navigate through this entire process. The choices you make now may affect your health care needs for the rest of your life. Having the right plan may allow you to have more freedom in choosing your doctors, hospitals, and other medical services. Let us guide you in the right direction and help you find the right plan that is affordable while meeting your needs.

What is Medicare?

Medicare is health insurance for:

People age 65 or older
People under the age of 65 with certain disabilities
People of any age with end-stage renal failure disease (ESRA: permanent kidney failure requiring dialysis or a kidney transplant)

Key Points to Know

What's Medigap

You can buy a Medigap (Medicare Supplement Policy) sold by private insurance companies to help fill the gaps in Medicare Parts A and B (such as coinsurance, copayments, and deductibles)

What about my prescriptions?

You can join a Medicare prescription drug plan (Medicare Part D) to add drug coverage.

Different Parts of Medicare

Medicare Part A: Hospital Insurance

Original Medicare helps cover inpatient care in hospitals, skilled nursing facilities, and home health care.

Medicare Part B: Medicare Insurance

Original Medicare helps cover doctor’s services, outpatient care and home health care as well as some preventive services to help maintain your health and to keep certain illnesses from getting worse.

Medicare Part C: Medicare Advantage Plans

Like an HMO or PPO

A health option ran by private insurance companies approved by and under contract with Medicare.
Includes Medicare Parts A and B but can charge different amounts for certain services.
May offer extra coverage and prescription drug coverage for an extra cost
Cost for items and services vary by plan.

Medicare Part D: Medicare Prescription Drug Coverage

A prescription drug option by privately ran insurance companies, approved by and under contract with Medicare, helping cover the cost of prescription drugs. They may help lower your prescription drug costs and help protect against higher costs in the future.