Ennis Medicare Insurance

Medicare is a federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant).

Medicare has four parts:

• Part A: Hospital insurance
• Part B: Medical insurance
• Part C: Medicare Advantage plans
• Part D: Prescription drug coverage

Part A covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care. Part B covers doctor visits, outpatient care, medical equipment, and some preventive services. Part C is a private health insurance plan that combines Parts A and B. Part C plans may also offer additional benefits, such as prescription drug coverage. Part D is prescription drug coverage.

You pay premiums for Parts B and D, but Part A is premium-free for most people.

Medicare does not cover everything, so you may need to buy a Medicare supplement plan (Medigap) or a private health insurance plan to fill in the gaps.

Why you need a Medicare insurance plan

Medicare is a great start to your retirement health insurance, but it doesn’t cover everything. Here are some reasons why you may need a Medicare insurance plan:

• Medicare Part A doesn’t cover long-term care: If you need to stay in a nursing home, Medicare will only pay for a limited amount of time. You may need to buy a long-term care insurance plan to cover the rest of your stay.
• Medicare Part B doesn’t cover prescription drugs: Medicare Part D is prescription drug coverage, but you have to pay a premium for it.
• Medicare doesn’t cover dental, vision, or hearing: You’ll need to buy private health insurance to cover these expenses.
• Medicare doesn’t cover everything: Medicare has some coverage gaps, such as copays, deductibles, and coinsurance. You may need to buy a Medicare supplement plan to cover these costs.

Choosing a Medicare insurance plan

There are many different Medicare insurance plans available, so it’s important to compare plans and choose one that fits your needs. Here are some factors to consider when choosing a plan:

• Your health needs: If you have chronic health conditions, you’ll need a plan that covers your medications and treatments.
• Your budget: Medicare insurance plans can vary in cost, so it’s important to find a plan that fits your budget.
• Your lifestyle: If you travel frequently, you’ll need a plan that has good coverage out of network.
• Your preferences: Some plans offer more benefits than others. Choose a plan that has the benefits that are important to you.

Getting help with Medicare

If you’re having trouble choosing a Medicare insurance plan, you can get help from a Medicare insurance expert at Ashford Insurance. A Medicare insurance expert can help you understand your options and choose a plan that fits your needs.

Medicare is a complex program, but it’s important to have the right coverage in retirement. By choosing a Medicare insurance plan that fits your needs, you can protect yourself from high medical costs and ensure that you have the care you need.