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Lenny Rosen, Insurance Agent

LICENSED INDEPENDENT INSURANCE AGENT 

The ABC’s of Medicare

Medicare Part A (Hospital Insurance)

Part A of Original Medicare, covers hospital visits, skilled nursing care, home health care, and hospice care. For most Medicare eligible seniors, Medicare Part A comes at no additional cost.

Medicare Part B (Medical Insurance)

Part B Original Medicare, covers out-patient hospital services, doctor visits, preventive services, diagnostic testing, and durable medical equipment. For the majority of seniors, Part B will cost $134.00 per month. However, the Part B Medicare premium can increase based on your annual income.

Medicare Part C (Medicare Advantage)

Medicare Advantage Plans are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. You’ll get your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage from the Medicare Advantage Plan and not Original Medicare. Medicare Advantage Plans cover all Medicare services. Most Medicare Advantage Plans also offer extra coverage, like vision, hearing and dental coverage. To compare benefits and prices, it is easiest
to contact a licensed agent at no cost to you, an agent can help you find the right balance between Medicare premiums and coverage for your individual needs.

Medicare Part D (Prescription Drug Insurance)

Medicare Part D provides coverage for prescription drug medications, Medicare Part D, is sold by private insurance companies.

Medicare Supplement Plans or (Medigap Plans)

Medicare supplement plans provide a more predictable out-of- pocket cost option, while helping fill the gaps in your Medicare Part A and B coverage. Medicare Supplement plans are organized by letter (A, B, C, D, F, G, K, L, M, and N). When purchasing a Medicare Supplement plan, seniors should carefully review the difference between the plans and what is and is not covered.