Medicare
We specialize in providing Medicare plans tailored to meet your healthcare needs. Whether you’re newly eligible or looking to enhance your existing coverage, we help you navigate the complexities of Medicare to ensure you get the best protection for your health and finances.
Why Choose Medicare?
At InsureWise, we understand that everyone’s financial goals are unique. Here’s why our Medicare solutions stand out:
Comprehensive Coverage
Affordable Healthcare
Multiple Plan Options
Access to Quality Providers
Who is eligible for Medicare?
Medicare is available for:
Individuals 65 years or older.
Younger individuals with certain disabilities.
People with End-Stage Renal Disease (ESRD) or ALS (Lou Gehrig’s disease).
Individuals 65 years or older.
Younger individuals with certain disabilities.
People with End-Stage Renal Disease (ESRD) or ALS (Lou Gehrig’s disease).
When can I enroll in Medicare?
You can enroll during:
Initial Enrollment Period (IEP): It should be 3 months before, the month during your birthday month and 3 months after to enroll into a plan.
Annual Open Enrollment (October 15 - December 7): Allows you to change your plan.
Special Enrollment Periods (SEP): Include natural disasters, plan exit the area, and moving in it.
Initial Enrollment Period (IEP): It should be 3 months before, the month during your birthday month and 3 months after to enroll into a plan.
Annual Open Enrollment (October 15 - December 7): Allows you to change your plan.
Special Enrollment Periods (SEP): Include natural disasters, plan exit the area, and moving in it.
What does Medicare Part A cover?
Part A covers hospital stays, skilled nursing care, hospice care, and some home health services.
What does Medicare Part B cover?
Part B covers doctor visits, outpatient care, preventive services, and some home healthcare.
Does Medicare cover prescription drugs?
Original Medicare does not include drug coverage, but you can add Part D or choose a Medicare Advantage plan that includes prescription coverage.
Service Options
1
Original Medicare (Parts A & B)
Medicare Part A (Hospital Insurance): Covers hospital stays, nursing care, and hospice care.
Medicare Part B (Medical Insurance): Covers doctor visits, outpatient services, and preventive care.
2
Medicare Advantage (Part C)
Offers the same benefits as Parts A & B but includes additional coverage like vision, dental, and wellness programs.
Often includes prescription drug coverage (Part D).
3
Medicare Prescription Drug Plan (Part D)
Helps cover the cost of prescription medications.
Reduces out-of-pocket expenses on essential drugs.
4
Medicare Supplement Plans (Medigap)
Covers copayments, deductibles, and coinsurance that Original Medicare does not cover.
Provides extra financial security for medical expenses.
5
Medicare Savings Programs (MSP)
Helps low-income individuals pay for Medicare premiums, deductibles, and copayments.
Different levels of assistance based on income and resources.
6
Special Needs Plans (SNPs)
A type of Medicare Advantage Plan (Part C) designed for individuals with specific chronic illnesses, disabilities, or financial needs.
Provides specialized healthcare tailored to the enrollee’s condition.
