Medicare Planning

Understanding Medicare starts with knowing your options.

Medicare Solutions Designed Around Your Needs

Navigating Medicare can feel overwhelming with the number of plans, rules, and details involved.

Because each person’s needs are different, having personalized guidance tailored to your situation can help you bring clarity and confidence to your decisions.

Medicare Supplement Plans (Medigap)

Medicare Supplement insurance works with Original Medicare (Part A and Part B) to help pay some of the out-of-pocket costs that Medicare does not cover, such as copayments, coinsurance, and deductibles. When you receive care, Medicare pays its share first. The Medicare Supplement plan may then help pay some of the remaining costs, depending on the plan. The plan will not cover prescription drugs (Part D, PDP). These plans generally allow you to see any doctor or hospital that accepts Medicare. While premiums may change over time, the benefits of the plan remain the same from year to year.

Medicare Advantage Plans (Part C)

Medicare Advantage plans are an alternative way to receive your Medicare Part A (hospital) and Part B (medical) benefits. These plans are offered by private insurance companies that are approved by Medicare. If you enroll in a Medicare Advantage plan, you still have Medicare, but your coverage is provided through the private plan rather than directly through Original Medicare. Most Medicare Advantage plans include hospital coverage, medical coverage, and often prescription drug coverage, all combined in one plan.

Medicare Prescription Drug Plans (Part D)

Medicare Prescription Drug Plans (Part D) help cover the cost of prescription medications. These plans are offered by private insurance companies approved by Medicare and can be added to Original Medicare or certain other Medicare plans without drug coverage. Each plan has its own list of covered medications, called a formulary, and drugs are usually placed into different tiers, which can affect what you pay. In general, medications in lower tiers cost less than those in higher tiers.

Medicare PARTS

What does Medicare Part A and Medicare Part B cover?

Medicare Part A

Medicare Part A (Hospital Insurance) covers inpatient hospital stays, skilled nursing facility care, hospice care, and limited home health services. It generally covers semi-private rooms, meals, nursing services, and medications administered during an inpatient stay.

Medicare Part B

Medicare Part B (Medical Insurance) covers medically necessary doctor services, outpatient care, durable medical equipment (DME), and many preventive services, such as screenings, vaccines, and annual wellness visits. Generally, Part B covers 80% of the Medicare-approved amount after the yearly deductible is met.

Get In Touch with Me!

Email

mary@maryaliceinsurance.com

Office Phone

919-410-7272

Based in

Raleigh, NC.

I do not offer every plan available in your area. Currently, I represent 9 organizations which offer over 80 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. This is a proprietary website and is not associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov

Mary Alice Insurance Solutions

Helping You Protect Your Health, Family, and Future. I provide personal guidance to help you understand your Medicare and other insurance options to protect you current and future care needs.