NAVIGATING MEDICARE OPTIONS IS COMPLEX

 Part A covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care. 

Part B covers outpatient care, doctor visits, preventive services, and some home health care.

Part C (Medicare Advantage) is a private insurance plan that provides all Part A and Part B benefits.

Part D provides prescription drug coverage. 

Medicare Supplements or Medi-gap plans fill in the “gaps” of Part A and Part B. 

• Your current and anticipated health care needs
• Selecting the right Medicare plan can be confusing. Here are some factors to consider:
• The costs of premiums, deductibles, copays, and coinsurance
• Whether you need prescription drug coverage
• If you want additional benefits like vision, dental, or hearing coverage
• If you plan to travel or live part-time in another state

• You are eligible for Medicare if you are 65 or older, under 65 with certain disabilities, or have end-stage renal disease.  You can enroll in Medicare:
• During your Initial Enrollment Period, which is a 7-month period that includes the 3 months before, the month of, and the 3 months after your 65th birthday.
• During the General Enrollment Period from January 1 to March 31 each year if you didn't sign up when you were first eligible.
• During a Special Enrollment Period if you qualify due to special circumstances like losing other health coverage.

A Medicare insurance agent can help you navigate your options and enroll in the right plan for your needs. Look for an agent who:

• Is licensed and appointed to sell Medicare plans in your state
• Represents multiple insurance companies to offer you more choices
• Provides personalized guidance based on your unique situation
• Offers ongoing support and assistance with claims and coverage changes

 Don't wait until the last minute to explore your Medicare options. Start researching plans well before your 65th birthday to ensure you have the coverage you need when you retire. 

Contact Vickie Bouffard, a licensed Medicare insurance agent today to get started at 602-922-3501. 

MEDICARE SUPPLEMENTS & MEDICARE ADVANTAGE PLANS 

• Aetna
• Banner
• Blue Cross Blue Shield
• Cigna
• United Healthcare 
• and more!