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The ABCs of Medicare

Medicare Part A

The different parts of Medicare are designed to fit the basic needs of any medical situation by working together. For instance, Medicare Part A is designed to take care of hospital visits. Overnight stays can be expensive and Medicare Part A is designed to relieve the pain of costly hospital bills.

Medicare Part A also covers some of the important necessities after the hospital, such as patient rehabilitation, long-term hospital care, and even home health care services. In addition to hospital stays, Medicare Part A can help cover patient care in skilled nursing facilities (SNF). Although, custodial or long-term care in nursing facilities are exclusions, a skilled insurance agent from Hoover and Associates can help you find the best policies to fit your needs and your budget.

And although many Medicare Part A insured do pay out-of-pocket for deductibles and copays, they do not pay a monthly premium if they or their spouse paid Medicare taxes while working.

Medicare Part B

Prevention is one of the most important aspects to staying healthy. Medicare Part B can help cover preventative services such as flu shots, pap tests, and colorectal cancer screenings. It also covers medically necessary services not covered by Part A, such as home health services, outpatient care, and more. A dedicated agent from Hoover and Associates can help explain your coverage and plan for your future health.

While most people do not pay a standard premium amount for Medicare Supplement Insurance Part B on a monthly basis, some have to pay co-payments, coinsurance and deductibles. If you are concerned about paying for premier medical insurance, contact the experts at Hoover and Associates.

Medicare Plans and supplements can be difficult to navigate, but with a trusted and dedicated agent from Hoover and Associates, you can be sure that our advice and suggestions are only to give our clients the best service for their lifestyle and budget.

Medicare Part C

Medicare Advantage Plan, Medicare Part C, or MA Plan is an insurance plan offered by private companies but approved by federal Medicare stipulations. Part C currently provides all the same coverage as Part A and Part B. Medicare Part A covers hospital treatment and visits. Part B includes some outpatient care and preventative treatments, so you can see why this great Medicare Advantage Plan has gained significant popularity for its simplicity and extensive coverage. If you are looking for great health insurance coverage and you qualify for Michigan Medicare, then call the dedicated and skilled agents at Hoover and Associates.

Medicare Part C is privately provided, so premiums and copays can be different than regular Medicare. That is where Hoover and Associates comes in, as independent brokers and agents; we provide affordable quotes from prominent insurance companies all over Michigan for your review.

Medicare Part D

Medicare Part D is called Prescription Drug Coverage, and is, as you might have guessed, simply insurance provision for prescription drugs. Prescribed treatments and medications can be an expensive part of taking care of yourself. For help, call the trusted agents at Hoover and Associates to get a quote for Medicare Part D drug coverage.

Medicare Part D can be easily added to your Medicare Part A insurance plan or it can be purchased singularly as an individual plan. Medicare Part D costs can vary because of the variable costs of prescriptions. Additionally, the covered drugs and treatments also differ by insurance company, so it is always a good idea to call an expert Medicare insurance agent at Hoover and Associates.

For more information about policies and providers, call us today at 248-298-4000.