Medicare is a federal health insurance program that covers a variety of health care expenses for qualifying individuals. The program is available to Washington seniors who are 65 years of age or older, as well as adults with certain qualifying medical conditions or permanent disabilities such. At Horizon Insurance Agency, LLC we work closely with individuals and families throughout Puyallup and Shelton to provide solutions to all of their Medicare needs.

There are four distinct parts to the Medicare program. They are Part A, Part B, Part C, and Part D. Part A and Part B are often referred to as Original Medicare while Part C is commonly referred to as Medicare Advantage. Let’s take a look at each individual part in more detail.

Medicare Part A

Medicare Part A is hospital insurance that covers inpatient hospital care, care in a skilled nursing facility, hospice care, and some in-home health care services. There is no premium associated with this part of Medicare if you have worked at least 10 years and have paid Medicare taxes during that time. If you do not meet these requirements, you can still qualify, but you will need to pay a premium.

Medicare Part B

Medicare Part B is medical insurance that covers non-hospital related expenses. This includes doctor’s visits, outpatient care, blood tests, durable medical equipment, and various preventative services.  There is a monthly premium that will be due for Medicare Part B. For those with low income, Medicaid can help to cover these premiums. If you don’t sign up when first eligible, you may face a penalty.

Medicare Part C

Medicare Part C, or Medicare Advantage, is Medicare coverage offered through private insurance companies. In most cases, a Medicare Advantage plan will include each coverage type in a single plan. Medicare Advantage plans can include options such as Health Maintenance Organizations (HMO), Preferred Provider Organizations (PPO). Medicare Part D is typically included as part of a Medicare Advantage plan as well.

Medicare Part D

Medicare Part D is coverage for prescription drugs that can be added to Medicare Parts A and B. This coverage is available through private insurance companies approved by the Centers for Medicare and Medicaid Services (CMS). Medicare Advantage plans generally include Medicare Part D coverage as part of the plan. If you don’t sign up when first eligible, you may face a penalty.

No matter what type of supplemental coverage you may need, Horizon Insurance Agency LLC can help find the Medicare plan that is right for you. If you are located in Puyallup or Shelton and in need of Medicare coverage or have any questions you need answered, contact one of our agents today!

“Horizon Insurance Agency, LLC. is not connected with or endorsed by the United States government or the federal Medicare program”