Medicare is a federal health insurance program for people 65 and older, and others with disabilities. Laying a solid foundation by understanding Medicare basics, can provide confidence in choosing the right plan to fit specific needs.
At Jennings Insurance Group we speak fluent Medicare. When it comes to Medicare, you have choices. We strive to help you understand costs, coverage limits, and choices. We offer Medicare Health Insurance Plans including Medicare Advantage, Medicare Supplement and Part D. Whether you want to discuss Medicare basics, Medicare Supplements, or all the Parts of Medicare, we can assist.
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Part A (Hospital Insurance)
Part A helps cover inpatient care in hospitals, skilled nursing facility care, hospice care, and home health care.
Part B (Medical Insurance)
Part B helps cover:
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Services from doctors and other health care providers
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Outpatient care
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Home health care
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Durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment)
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Many preventive services (like screenings, shots or vaccines, and yearly “Wellness” visits)
Part D (Drug coverage)
Part D helps cover the cost of prescription drugs (including many recommended shots or vaccines). You join a Medicare drug plan in addition to Original Medicare, or you get it by joining a
Medicare Advantage Plan with drug coverage. Plans that offer Medicare drug coverage are run by private insurance companies that follow rules set by Medicare.
Medicare Supplemental Insurance (Medigap)
Extra insurance you can buy from a private company that helps pay your share of costs in Original Medicare. Policies are standardized, and in most states named by letters, like Plan G or Plan K. The benefits in each lettered plan are the same, no matter which insurance company sells it.
Medicare Advantage (also known as Part C)
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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.
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In most cases, you’ll need to use doctors who are in the plan’s network
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Plans may have lower out-of-pocket costs than Original Medicare.
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Plans may offer some extra benefits that Original Medicare doesn’t cover — like vision, hearing, and dental services.
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