Comprenda sus opciones de cobertura de Medicare Advantage.
Call for enrollment information.
8 a.m.-8 p.m., 7 days a week.
| COVERAGE | ORIGINAL MEDICARE (Parts A & B) | STAND-ALONE PRESCRIPTION DRUG PLAN (Part D) | MEDICARE ADVANTAGE PLAN (Part C) |
|---|---|---|---|
| $0 or low monthly plan premium | |||
| Doctor and hospital coverage |
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| Cobertura de medicamentos recetados | |||
| Dental coverage |
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| Vision coverage |
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| Hearing coverage |
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Original Medicare: Part A y B
Original Medicare es administrado por el gobierno federal y constituye solo un punto de partida para su atención médica.
Part A covers in-patient medical hospital care, nursing facilities, hospice, and some home health care.
Part B helps cover doctor visits, outpatient care, and some preventive services.
- You usually pay a monthly premium and must meet yearly deductibles
- Covers 80% of the approved amount and you're responsible for the remaining 20%
- Most prescription drugs, hearing aids, and routine dental care are not covered
- No limit on yearly out-of-pocket costs
Medicare Advantage: Part C
Medicare Advantage is offered by private insurers and combines the benefits of Parts A & B plus other potential benefits, like vision, dental, and hearing and much more.
- Maximum out-of pocket limit per plan year means 100% of allowed healthcare costs after you meet your out-of-pocket limit
- Le ayuda a controlar y comprender su riesgo financiero
- Some plans include part D (prescription) coverage, fitness benefits, and FREE over-the-counter health care items
Tipos comunes de planes Medicare Advantage
Organización para el Mantenimiento de la Salud (HMO)
- Suele exigirle que obtenga la mayor parte de la atención y los servicios de los proveedores de la red
- Los costos son inferiores con los proveedores de la red
- Must choose a Primary Care Provider (PCP)
- Necesita remisiones del médico para consultar a un especialista
Organización de Proveedores Preferidos (PPO)
- Le brindan una red preferida
- Los costos son inferiores con los proveedores de la red
- Los costos suelen ser más altos con los proveedores fuera de la red
- Probably won't need a referral to see a specialist
Dual Eligible Special Needs Plans (D-SNP)
- Diseñado para coordinar los beneficios y servicios cubiertos si califica para Medicare y Medicaid
Cobertura de Medicare Advantage y medicamentos con receta: Part D
Si depende de medicamentos recetados para mantener su salud, tiene varias opciones de cobertura de medicamentos recetados:
- Algunos planes Medicare Advantage (Part C) incluyen cobertura de medicamentos con receta (MAPD)
- If you have Original Medicare (Parts A & B), you can purchase a Prescription Drug Plan (PDP)
- Incluye servicio de envío por correo para ayudarle a ahorrar tiempo y dinero
- You may need to pay a deductible
- Discount programs and subsidies are available for those with qualifying income
Etapas de cobertura
1. Deducible
El importe que usted paga antes de que un plan cubra los costos de sus medicamentos recetados, si corresponde.
2. Cobertura inicial
The plan pays its share of the cost, and you pay your share. This stage lasts until your payments and the plan’s payments total $2,000 for the year.
3. Catastrophic Coverage
Once your out-of-pocket costs for prescription drugs reach $2,000, you are no longer required to share costs beyond your plan co-pays for covered generic and brand name drugs.
Call us today to learn more & enroll.
8 a.m.-8 p.m., 7 days a week.
