Get the Best Medicare Coverage With Libby Agency Insurance
Are you approaching retirement age or already enrolled in Medicare but feeling overwhelmed by its complexities? You're not alone. It can be tough to understand how Medicare works but don't worry. At Libby Agency Insurance in Augusta, ME, we're here to help make things easier for you.
Confused about Medicare? Call us at
614-339-9711 for expert guidance and answers to all your Medicare-related questions.
What Is Medicare?
Medicare is a federal health insurance program designed primarily for individuals aged 65 and older, although it also covers some younger individuals with disabilities or certain medical conditions.
Medicare Coverage
Medicare Part A provides coverage for hospital stays, skilled nursing facility care, hospice care, and some home healthcare services. Most people do not pay a premium for part A if they or their spouse have worked and paid Medicare taxes for a certain amount of time.
Medicare Part B
Medicare Part B covers outpatient care, preventive services, doctor visits, durable medical equipment, and some home health care services. Beneficiaries typically pay a monthly premium for part B coverage.
Medicare Part C (Medicare Advantage)
Medicare Part C, also known as Medicare Advantage, allows beneficiaries to receive their Medicare benefits through private insurance plans approved by Medicare. These plans often include additional benefits, such as prescription drug coverage and dental or vision services.
Medicare Part D
Medicare Part D provides prescription drug coverage. Beneficiaries can enroll in standalone Part D plans to supplement their original Medicare coverage or choose Medicare Advantage plans that include prescription drug coverage.
How Does Medicare Work?
Medicare works as a fee-for-service program, meaning that beneficiaries pay deductibles, copayments, and coinsurance for covered services. Original Medicare (Parts A and B) allows beneficiaries to visit any healthcare provider accepting Medicare assignments.
Take the first step towards understanding your Medicare options. Call us at 614-339-9711 today to schedule a no-cost consultation with one of our experienced agents.