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How it Works
Finding and selecting the right Medicare plan can be overwhelming. There are two primary options:
Medicare Supplement or Medigap – Plans that cover “gaps” in Original Medicare (Parts A & B). Each state approves a set of coverage options.
Medicare Advantage – Plans that work like an HMO or PPO health plan and help to limit out of pocket expenses. Plans may also include prescription drug coverage.
By providing basic information about you and your needs we then work with health insurers to take the complexities out of selecting the right plan.
Let the National Center for Medical Records save you time, money, and be your trusted source of Medicare insurance information.
Medicare by Parts
Medicare has several parts. Medicare Parts A and B are the original components. Parts A and B are Federally provided coverage to help with medical expenses, generally for those who are 65 and older.
Medicare Parts C and D, along with Medigap, are supplemental coverage that can be purchased to compliment original Medicare.
What is Medicare Part A?
Medicare Part A is health insurance for hospital-related expenses. It is provided by the United States government to citizens and legal immigrants over 65.
If you are over 65 and have worked for a least 10 years paying Medicare taxes, you qualify for premium-free Part A coverage.
You can still buy into Medicare Part A if you are over 65 but don’t qualify for the premium-free version. Additionally, certain disabilities can qualify you before the age 65.
Benefits of Medicare Part A include:
- Hospital stays
- Nursing care
- Home-health care
Medicare Part A qualifies as minimum essential coverage. It satisfies the law that requires people to have health insurance.
What is Medicare Part B?
Medicare Part B is outpatient insurance. It is provided by the United States government to citizens and legal immigrants over 65.
Individuals who are eligible for premium-free Medicare Part A are also eligible to enroll in Part B.
Benefits of Medicare Part B include:
- Doctor’s visits
- Emergency ambulance services
- Lab work
- Outpatient surgeries
- Preventive services
- Medical equipment
What is Medicare Part D?
Medicare Part D provides prescription drug coverage that is supplemental to those with Medicare Part A and Part B.
Original Medicare doesn’t cover most of your medications. Part A covers drugs you get as a hospital inpatient only. Part B covers drugs you get as an outpatient, in very limited cases, like infusion drugs.
Medicare Part D covers a much wider of Prescription Drugs taken at home.
The drugs that are covered by a Medicare Part D plan and their pricing are listed in the plan’s formulary, which you can request before purchase.
What is Medigap (Medicare Supplement)?
Medicare Supplement, or Medigap, is additional private insurance that helps pay for the “gaps” in Medicare Part A and B.
Individuals with Medicare Part C (Medicare Advantage), cannot get a Medigap plan.
General Benefits of a Medigap plan
- Routine vision or dental care
- Hearing aids
- Private-duty nursing
There are currently ten different types of Medigap plans, and each state approves a set of coverage options. These plans vary in their coverage, deductibles, and premiums. Choosing the right one can take a lot of research.