What is Medicare?

Medicare is a federal health insurance program for:

  • People age 65 and up
  • People with disabilities
  • People with End-Stage Renal Disease (ESRD)

Medicare has four parts

Selecting a plan can be frustrating with all the information being thrown at you. That’s where we come in. Through our one on one needs assessments, we will provide clear, accurate, and trustworthy information to help make it easier for you to understand your Medicare coverage options.

Hospital Insurance

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care 
  • Home health care
  • Part of original Medicare 

Part B covers 2 Types of Services

  • Medically Necessary Services: Services or supplies that are needed to diagnose or treat your medical condition and that meet accepted standards of medical practice.
  • Preventative Services: Health care to prevent illness (like the flu) or detect it at an early stage, when treatment is most likely to work best.
You pay nothing for most preventive services if you get the services from a health care provider who accepts assignment.

Part B covers things like:

  • Clinical Research
  • Ambulance Services
  • Durable Medical Equipment (DME)
  • Mental Health — including Inpatient, Outpatient, & Partial Hospitalization
  • Limited Outpatient Prescription Drugs
  • Part of original Medicare

Medicare Advantage

  • All benefits and services under Part A and B
  • Usually includes Medicare prescription drug coverage (Part D)
  • Run by Medicare-approved private insurance companies
  • Have yearly limit on your out-of-pocket costs for medical services
  • May include extra benefits or services not covered by original Medicare

Prescription Drug Coverage

  • Helps cover the cost of prescription drugs
  • Run by Medicare-approved drug plans
  • May help lower your prescription drug costs

Every Medigap policy must follow federal and state laws designed to protect you, and it must be clearly identified as “Medicare Supplement Insurance.” Insurance companies can sell you only a “standardized” policy identified in most states by letters.

All policies offer the same basic benefits but some offer additional benefits, so you can choose which one meets your needs.

  • AARP Supplements & Prescription Drug Plans
  • Aetna Medicare Advantage & Prescription Drug plans
  • BCBS Excellus/Univera/BCBS of WNY-NENY-CNY
  • Capital District Physicians’ Health Plan (CDPHP)
  • Devoted Health
  • EmblemHealth
  • Fidelis
  • Geisinger
  • Global Life
  • Humana
  • MVP
  • Silverscript
  • UnitedHealthCare Advantage & Prescription Drug Plans
  • WellCare/Today’s Options
  • And more….
  • New York
  • Pennsylvania
  • Maryland
  • New Jersey
  • Rhode Island
  • Connecticut
  • West Virginia
  • Georgia
  • Florida
  • Texas
  • North Carolina
  • South Carolina
  • California
  • Tennessee

Find the Medicare plan for you

Why make choosing a Medicare plan so difficult? Let’s keep it simple! Our goal is to simplify and offer you the options that fit your lifestyle.

Get started with Medicare

This is a great resource for learning more about Medicare. As you get started with Medicare, you have a choice in how you get your Medicare coverage. To get started:

Innovative approaches to improving quality is a great resource for US Healthcare, it gives meaningful information about quality and costs to helping you be active health care consumers. It also includes innovative approaches to improving quality, accessibility and affordability, while finding the best ways to provide care to patients.

Eligible for Medicare

Don’t qualify for Medicare yet? Check out this site to learn more. Learn when you become eligible for Medicare and which plans are available to you.

Low-cost health insurance options

Learn about New York State healthcare for those who don’t qualify for Medicare and live in NYS. You can quickly compare health plan options and apply for assistance that could lower the cost of your health coverage. You and your family have many low-cost health insurance options available.