Medicare
Medicare
Resources: Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Amber Hoadley License #E018802
Here for you for all your Medicare questions and concerns!
My experience as a local, independent agent has taught me that everyone’s situation is unique. Your healthcare needs, your finances, and where you live and seek care are all things that need to be considered when choosing the best-fit Medicare health plan for you. As part of this community, my goal is to help each client make a decision they can feel good about. I represent numerous companies and plans, so I can help you choose the option best suited for your needs. Contact me with questions and concerns, or schedule a one-on-one appointment to learn more about plans in your area!
Amber Hoadley
813-996-2525, x:6
What Is Medicare?
Medicare is the United States national health insurance program. Medicare is health insurance for people 65 or older. You’re first eligible to sign up for Medicare 3 months before you turn 65. You may be eligible to get Medicare earlier if you have a disability, End-Stage Renal Disease (ESRD), or ALS (also called Lou Gehrig’s disease).
Part A (Hospital Insurance):
Helps cover inpatient care in hospitals, skilled nursing facility care, hospice care, and home health care.
Your Medicare options:
When you first sign up for Medicare and during certain times of the year, you can choose which way to get your Medicare coverage. There are 2 main ways:
Original Medicare
• Original Medicare includes Part A and Part B.
• You can join a separate Medicare drug plan to get Medicare drug coverage (Part D).
• You can use any doctor or hospital that takes Medicare, anywhere in the U.S.
• To help pay your out-of-pocket costs in Original Medicare (like your 20% coinsurance), you can also buy supplemental coverage, like Medicare Supplement Insurance (Medigap), or have coverage from a former employer or union, or Medicaid.
Medicare Advantage (also known as Part C)
• Medicare Advantage is a Medicare-approved plan from a private company that offers an alternative to Original Medicare for your health and drug coverage. These “bundled” plans include Part A, Part B, and usually Part D.
• In most cases, you’ll need to use doctors who are in the plan’s network.
• Plans may have lower out-of-pocket costs than Original Medicare.
• Plans may offer some extra benefits that Original Medicare doesn’t cover — like vision, hearing, and dental services.
How do I enroll in Medicare?
1. Sign up for Part A (Hospital Insurance) and/or Part B (Medical Insurance) – visit medicare.gov for more information and timeframes!
• You can sign up at certain times. Review guidelines for enrollment periods.
• You can go online to www.ssa.gov
• You can call Social Security at 800-772-1213
• You also can visit your local Social Security office
2. Choose which way you want to get your Medicare health coverage
You can choose either Original Medicare or Medicare Advantage (Part C)
Medicare Advantage Plan (Part C)
A type of Medicare-approved health plan from a private company that you can choose to cover most of your Part A and Part B benefits instead of Original Medicare. It usually also includes drug coverage (Part D). for your health coverage.
• If you choose Original Medicare, you’ll also decide if you want drug coverage (Part D) and supplemental coverage, like Medigap
Ready To Learn More? I am here to help!
Medicare.gov is a wonderful resource for more information related to Medicare, and I highly recommend using all resources!
Not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.