Medicare Insurance

It is never too early to get ready for the annual enrollment period

Understanding the Two Parts of Original Medicare

MEDICARE

Original Medicare is the foundation of the federal health insurance program for individuals 65 and older, and for some younger people with disabilities. It includes Part A and Part B, each covering different aspects of health care

Medicare Part A — Hospital Insurance

Part A helps cover inpatient services, including:

Hospital stays
Skilled nursing facility care
Hospice care
Home health care

2025 Costs:

Deductible: $1,676 per benefit period
Hospital coinsurance:
- $0 for days 1–60
- $419/day for days 61–90
- $838/day for lifetime reserve days (up to 60 days)
- All costs after day 150

Skilled Nursing Facility coinsurance:

$0 for days 1–20
$209.50/day for days 21–100
All costs after day 100

Most people qualify for premium-free Part A based on work history.

Medicare Part B — Medical Insurance

Part B covers outpatient care and preventive services, such as:

Doctor visits
Preventive screenings
Outpatient hospital care
Durable medical equipment
Mental health services

2025 Costs:

Monthly Premium: $185 (standard rate; higher-income individuals may pay more)
Annual Deductible: $257
Coinsurance: After the deductible, Medicare pays 80% of approved services; you pay 20%

MEDICARE PLAN OPTIONS FOR MORE COMPREHENSIVE COVERAGE

Medicare Advantage

Prescription Drug Plans

Medicare Supplement

Medicare Advantage plans, also known as Medicare Part C, provide all of the benefits of Original Medicare and may include additional coverage, such as prescription drugs, dental, vision services and more all in one plan.

Medicare Supplement

Prescription Drug Plans

Medicare Supplement

Medicare Supplement plans, also known as Medigap, are secondary policies that help cover out-of-pocket costs like the deductibles and copayments that aren't covered by Original Medicare, providing additional financial protection for beneficiaries.

Prescription Drug Plans

Prescription Drug Plans, also knows as Medicare Part D, offer coverage for prescription medications not covered by Original Medicare, helping beneficiaries afford necessary medications and reducing out-of-pocket expenses.

Understanding the Two Parts of Original Medicare

MEDICARE

Medicare Part A — Hospital Insurance

Medicare Part B — Medical Insurance

Let me help navigate the Medicare Maze

MEDICARE PLAN OPTIONS FOR MORE COMPREHENSIVE COVERAGE

Medicare Advantage

Prescription Drug Plans

Medicare Supplement

Medicare Supplement

Prescription Drug Plans

Medicare Supplement

Prescription Drug Plans

Prescription Drug Plans

Prescription Drug Plans

Let's Get Started

Providing your specifics is key to finding your best plan

The Next Annual Enrollment Opportunity for Medicare

It’s a wrap!

Are Unsolicited Calls Out of Control?

MAKE IT STOP!

Understanding the Two Parts of Original Medicare

MEDICARE

Medicare Part A — Hospital Insurance

Medicare Part B — Medical Insurance

Let me help navigate the Medicare Maze

MEDICARE PLAN OPTIONS FOR MORE COMPREHENSIVE COVERAGE

Medicare Advantage

Prescription Drug Plans

Medicare Supplement

Medicare Supplement

Prescription Drug Plans

Medicare Supplement

Prescription Drug Plans

Prescription Drug Plans

Prescription Drug Plans

Let's Get Started

Providing your specifics is key to finding your best plan

The Next Annual Enrollment Opportunity for Medicare

It’s a wrap!

Are Unsolicited Calls Out of Control?

MAKE IT STOP!

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