Explore your Medicare Coverage Options
A+ rated Medicare Carriers
Compare different Medicare Advantage and Supplement Plans from different insurance carriers. By Submitting the form above, you agree to receive an email and/ or phone call call from us (Smart Insurance Agents LLC) to discuss your options. We do not pass your information to a third party without your consent. We are licensed health insurance agents in your state, and calling you about your Medicare request is within the scope of our work. No enrollment or purchase obligation.
How does Original
Medicare Work?
Original Medicare is one of your Medicare health coverage choices. You will have Original Medicare unless you choose a Medicare Advantage Plan or other type of Medicare health plan.
You generally have to pay a portion of the cost for each service Original Medicare covers. There is no limit to what you will pay out of pocket in a year unless you have other coverage (like Medigap, Medicaid, or employee or union coverage) or enroll in a Medicare Advantage Plan.
Can I get my health care from any doctor, other health care provider, or hospital?
In most cases, yes. You can go to any Medicare-enrolled doctor, other health care provider, hospital, or other facility that accepts Medicare patients anywhere in the U.S
Does it cover prescription drugs?
No, with a few exceptions, Original Medicare does not cover most drugs. You can add Medicare drug coverage Part D by joining a separate Medicare drug plan.
Do I need to choose a Primary Care Doctor?
No
Do I have to get a referral to see a specialist?
No.
Should I get a supplement Policy?
You may already have Medicaid, military retiree, or employer or union coverage that may pay costs that Original Medicare does not. If not you may want to buy a Medicare Supplement Plan.
How do insurance companies set prices for Medigap policies?
Each insurance company decides how it will set the price, per premium, for its Medigap policies The way they set the price affects how much you pay now and in the future. Medigap policies can be prices or “rated” in 3 ways:
- Community-rates (not age rated)
- Issue-age-rated (entry age rated)
- Attained age rated
Each of these ways of pricing Medigap policies is described in the table below. The examples below show hour your age affects your premiums, and why it is important to look at how much the Medigap policy will cost now and in the future. The amounts in the examples are actual costs. Other factors like where you live, medical underwriting, and discounts can also affect the amount of your premium.
What is Medicare Supplement High Deductible Plan?
Another variation of a Medicare supplement policy available to you is a “high deductible option” on Plan F or G. Generally, the premium for a high deductible Plan F or G will be lower than that company’s same Medicare supplement plan without the higher deductible. The benefits for a high deductible Plan F or G are identical to any other Plan F or G. The only difference is that the plan will not pay benefits until you have met the deductible (the amount you must pay out of your pocket) for the calendar year.
For those eligible for Medicare prior to January 1, 2020, Plan F High Deductible is available. For those eligible for Medicare on or after January 1, 2020, Plan G High Deductible will be the only high deductible plan available.
Frequently Asked Questions:
Who is Medicare Beneficiary?
An individual entitled to benefits under Medicare Part A, Part B, or both.
What is catastrophic coverage?
The stage of Medicare Part D coverage that begins after you reach your out-of-pocket limit. For the rest of the year, part D should pay more of your drug costs.
What is Drug Coverage Tier?
What is Co-insurance?
What is Co-pay?
What is Coverage Gap (Donut Hole)?
What does Formulary mean?
Hospitalization
What does Inital Coverage Limit mean?
What is the Initial Coverage Phase?
Low Income Subsidy (LIS or Extra Help)
What is Medicare?
A federal government insurance plan that provides healthcare coverage options and drug benefits for people over 65 and younfer people with disabilities.
What is Medicare Advantage Plan?
What is Medicare Part A?
What is Medicare Supplement Insurance (Medigap)?
What is Medicare Part B?
What is Medicare Part C?
What is Medicare Part D?
Out-of-pocket (OOP) Costs
What are Patient Assistance Foundations?
State Pharmaceutical Assistance Programs (SPAPs)
State programs that coordinate with Medicare’s Part D drug benefit to help their residents pay for prescription drugs. Read More.