Columbus MS
Medicare Plans Explained

Medicare is a federal health insurance program for individuals age 65+ or with certain disabilities. Coverage is broken down into separate parts to better understand how it works.

Original Medicare: Things to Know About Original Medicare In Columbus

Original or “basic” Medicare includes Part A (Hospital Insurance) and Part B (Medical Insurance). Most people get Part A premium-free but will have to pay a premium for Part B. Your coverage includes the following benefits:

Part A:

  • Inpatient hospital care 
  • Inpatient nursing facility care
  • Home health care
  • Hospice Care

Part B:

  • Doctor’s visits
  • Preventative services
  • Outpatient care
  • Home health care
  • Durable medical equipment

There is typically a deductible amount you are responsible for that must be met before Medicare benefits are applied. The deductible for Part A is $1,556 per benefit period. The yearly deductible for Part B in 2022 is $233.

 

New To Medicare?

Coming off your employer’s coverage and transitioning to Medicare as your primary insurance can be overwhelming and confusing! Mainly because it’s all new to you. Don’t worry because all of us at Agape have you covered. Once you know all the proper steps, it can be a simple and painless process. You can find a lot of the information you need about Medicare planning here on our website.

First, you need to know that the only parts of Medicare you will enroll in via the Social Security office or online are your Original Medicare Parts A & B. All other Parts (ex: Part D or Part C) and medicare/Medigap coverage enrollments are done through an insurance agent or agency, like ours.

Also, if you are already taking Social Security, the government will auto-enroll in both parts of Medicare. Otherwise, you must enroll yourself.

Working Past the Age of 65? (Group Coverage or Medicare)

Many people are working past age 65 and have to decide if it’s best to stay on their group coverage and coordinate with Medicare or transition fully to Medicare. This could mean making Medicare the primary insurance and adding a Medicare supplement, Part D, and other ancillary plans that address their healthcare needs. (ex: Dental, vision, & hearing)

There are a few key factors to take into consideration:

  • Current monthly premium
  • Deductible (if applicable)
  • Max out of pocket
  • Copays
  • Type of Network (HMO or PPO)
  • Prescription coverage

 
If you want to learn more about Original Medicare and have your options for Columbus Medicare Plans explained, call Agape today to speak with our Columbus Medicare Advisors. We will help you walk through both scenarios according to your situation to find the best options to address your specific healthcare needs.

 

Request a Meeting!

I understand that by submitting my information, I give Agape Insurance Group permission to contact me.

Medicare Advantage Plans In Columbus - Medicare Part C

Medicare Part C is better known as “Medicare Advantage” and is a form of private insurance. You must already be enrolled in Original Medicare to join a Medicare Advantage plan. Many people like this option because the plans often include benefits for dental, vision, hearing, over the counter/food card benefits, and more.

To learn more about Medicare Advantage Plans in Columbus, and have Medicare Part C explained in deeper detail, Contact our Licensed Medicare Agents serving Columbus by clicking the button below. 

Older Gentleman Getting Eye Exam By An Ophthalmologist - Get the 3 Best Tupelo Medicare Medicare Plans Explained By Agape Insurance And Financial Group, A Top Rated Tupelo Medicare Agency

Medicare Prescription Drug Plans In Columbus - Medicare Part D

Medicare Part D is a federal program administered through private insurance companies. These companies provide retail prescription drug coverage to Medicare beneficiaries. Before 2006, when Medicare Part D started, thousands of Medicare beneficiaries in the U.S. had hardly any help with the cost of their retail prescription drugs. Many would often spend thousands of dollars every year paying for their medications out of pocket.

Thank God, that today’s Medicare beneficiaries have the access to better coverage with their Part D plans. Beneficiaries (who qualify) have two main choices when it comes to enrolling in a Medicare approved prescription drug plan. They can enroll in a standalone Part D drug plan that goes alongside their Original Medicare benefits, or they can choose a Part D drug plan that is embedded into a Part C Medicare Advantage plan.

If you want to learn more about Medicare Prescription Drug Plans in Columbus, have Medicare Part D explained in deeper detail, or learn more about available Columbus Medicare Plans, contact our Medicare Agents serving Columbus by clicking the button below. 

Contact Us For A Free Consultation To Have Your Options For Columbus Medicare Plans Explained

At Agape Insurance and Financial Group, we help tons of people like you find the Medicare plans that fit their needs and budget. To learn more about your Medicare coverage options, and to have available Columbus Medicare Plans Explained to you, reach out to us today.