Medicare Options

MEDICARE

Enrolling in Medicare when you turn 65 is a rite of passage that can be overwhelming and confusing. There are a number of Medicare options available and knowing exactly what they cover and when to apply for them may seem like a complex undertaking.

We are here to make it simple. Longevity Planning will guide you through all your options and help you get the complete coverage you want and need to feel secure about your future.

Careful consideration of plan benefits and the costs associated with them is crucial. We will help you compare plans to make sure you’re getting the right coverage at the best price. We understand how vital this step is and offer this assistance at no cost or obligation to you. There is no additional cost for working with a broker. Our team can help you make your transition onto Medicare seamless.

Insurance to Live a Life of comfort and Security

What is Medicare?

Medicare is health insurance for:
■ People 65 or older
■ Certain people under 65 with disabilities
■ People of any age with End-Stage Renal Disease (ESRD) (permanent
kidney failure requiring dialysis or a kidney transplant)

What are the parts of Medicare?

Part A (Hospital Insurance) helps cover:
■ Inpatient care in hospitals
■ Skilled nursing facility care
■ Hospice care
■ Home health care

Part B (Medical Insurance) helps cover:
■ Services from doctors and other health care providers
■ Outpatient care
■ Home health care
■ Durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment)
■ Many preventive services (like screenings, shots or vaccines, and yearly “Wellness” visits)

Part D (drug coverage):
■ Helps cover the cost of prescription drugs (including many recommended
shots or vaccines)
■ Plans that offer Medicare drug coverage are run by private insurance companies that follow rules set by Medicare

Your Medicare options

Original Medicare

• Original Medicare includes Medicare
Part A (Hospital Insurance) and
Part B (Medical Insurance).

• If you want prescription drug
coverage, you can join a separate
Medicare drug plan (Part D).

• To help pay your out-of-pocket costs in Original Medicare (like your 20% coinsurance), you can also shop for and buy supplemental coverage (Medigap).
• Can use any doctor or hospital that takes Medicare, anywhere in the U.S.

Medicare Advantage

(also known as Part C)

• Medicare Advantage is an“all in one” alternative to OriginalMedicare. These “bundled” plans include Part A, Part B, and usually Part D.

• Plans may have lower out-of-pocket costs than Original Medicare.

• In most cases, you’ll need to use doctors who are in the plan’s network.

• Most plans offer extra benefits that Original Medicare doesn’t cover— like vision, hearing, dental, and more.

We do not offer every plan available in your area. Currently we represent 9 organizations which offer 96 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.