What is Seagoville Medicare?

Think of Medicare like a safety net for your health care. It helps cover hospital stays, doctor visits, and even some prescription drugs. But understanding how it works can feel like cracking a code! Worry not, because I’m here to break it down into simple steps.

Who qualifies?

• Most folks at 65: If you or your spouse worked at least 10 years in a Medicare-covered job, you’re eligible at 65.
• Younger than 65 with special needs: If you have certain disabilities or kidney issues, you might qualify early.

Getting Started:

• Part A (Hospital Insurance): This usually comes free if you already receive Social Security or Railroad Retirement benefits.
• Part B (Medical Insurance): This covers doctor visits, outpatient care, and preventive services. It has a monthly premium you pay yourself.

Choosing your Coverage:

• Original Medicare: This combines Parts A and B, but you may need extra coverage for deductibles or certain services.
• Medicare Advantage Plans: These bundle Parts A, B, and often D (Prescription Drug) into one plan, often with lower out-of-pocket costs.

Important Extras:

• Part D (Prescription Drug): Covers some of your prescription drug costs. Enroll when you first get Medicare to avoid a late penalty.
• Supplemental Insurance: Can help cover deductibles and coinsurance in Original Medicare.

Remember:

• Compare plans before you choose. Consider your needs and budget.
• Ask questions! Your friendly insurance agent (that’s me!) is here to help.
• Don’t wait to enroll. Delaying can mean higher costs later.

Feeling overwhelmed? No worries! Ashford Insurance is here to guide you through the Medicare maze. Give us a call, and we’ll help you find a plan that fits your needs and budget.