Service Details
Comprehensive Medicare Insurance for Your Health and Well-being
Tailored Medicare Plans to Meet Your Healthcare Needs
Overview
What is Medicare Insurance?
Medicare is a federal health insurance program primarily for individuals aged 65 and older, as well as for some younger people with disabilities or specific health conditions. It provides essential health coverage to ensure that you have access to the medical care you need.
How It Works
Medicare consists of different parts, each designed to cover specific aspects of healthcare:
- Medicare Part A (Hospital Insurance): Covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
- Medicare Part B (Medical Insurance): Covers certain doctors’ services, outpatient care, medical supplies, and preventive services.
- Medicare Part C (Medicare Advantage Plans): An alternative to Original Medicare that allows you to receive your Part A and Part B benefits through private insurance companies approved by Medicare. These plans often include additional benefits.
- Medicare Part D (Prescription Drug Coverage): Helps cover the cost of prescription drugs.
Eligible individuals can enroll in Medicare during specific enrollment periods, and coverage is typically funded through payroll taxes, premiums, and other sources.
Types of Medicare Coverage
Medicare Part A (Hospital Insurance)
Medicare Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. This essential coverage ensures that you receive the necessary medical care during hospitalizations and serious health events.
Coverage Details: Part A helps cover the costs of:
- Hospital room and board
- Nursing services
- Meals and other hospital services and supplies
- Skilled nursing facility care following a hospital stay
- Hospice care for terminally ill patients
- Limited home health care services
Medicare Part B (Medical Insurance)
Medicare Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services. It helps you manage your routine healthcare needs and prevent serious illnesses.
Coverage Details: Part B helps cover the costs of:
- Doctor visits
- Outpatient care and services
- Medical supplies like wheelchairs and walkers
- Preventive services such as screenings, vaccinations, and annual wellness visits
Medicare Part C (Medicare Advantage Plans)
Medicare Advantage Plans (Part C) are an alternative to Original Medicare, offered by private insurance companies approved by Medicare. These plans provide all Part A and Part B benefits, and often include additional benefits like vision, dental, and prescription drug coverage.
Coverage Details: Medicare Advantage Plans may offer:
- Integrated coverage of Part A and Part B benefits
- Prescription drug coverage (Part D)
- Additional benefits such as vision, dental, and hearing
- Wellness programs and preventive services
Medicare Part D (Prescription Drug Coverage)
Medicare Part D helps cover the cost of prescription drugs. It is available through Medicare-approved private insurers and provides essential coverage for medications prescribed by your doctor.
Coverage Details: Part D helps cover the costs of:
- Prescription medications
- Various drug plans with different formularies and cost structures
- Protection against high drug costs with coverage options
Contact Details
Contact Center
954 371 8787
Mail Address
info@ofis-insurance.com
Office Location
4500 N State Rd 7, St 311, Lauderdale Lakes, FL 33319
Get A Qoute
Benefits of Medicare Insurance
How to Choose the Right Medicare Plan
Assessing Your Needs
Start by evaluating your healthcare needs. Consider your current health status, any ongoing medical conditions, and the types of medical services you frequently use.
Comparing Plans
Take the time to compare different Medicare plans to understand their benefits and costs. Look at the coverage options offered by Original Medicare (Part A and Part B) versus Medicare Advantage Plans (Part C)
Consulting with Experts
Consulting with an insurance professional can provide valuable insights and guidance. Our experts at OFIS Insurance Company are here to help you navigate the complexities of Medicare, answer your questions, and recommend the best options based on your specific needs.
Get Your Personalized Insurance Quote Today
Protecting your future is just a few clicks away. Fill out the form below to receive a custom quote for your insurance needs. Our team will provide you with tailored insurance options that suit your requirements and budget.
Frequently Asked Questions
Medicare Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. This coverage includes hospital room and board, nursing services, meals, and other hospital services and supplies.
Medicare Part B covers outpatient care, doctor visits, medical supplies, and preventive services. Medicare Part C, also known as Medicare Advantage Plans, is offered by private insurers and includes all Part A and Part B benefits, often with additional coverage such as vision, dental, and prescription drugs.
You can enroll in Medicare during your Initial Enrollment Period, which starts three months before you turn 65 and ends three months after your 65th birthday. You can also enroll during the annual Open Enrollment Period from October 15 to December 7. Enrollment can be done online, by phone, or in person at your local Social Security office.
Yes, you can change your Medicare plan during the annual Open Enrollment Period. Additionally, you may qualify for a Special Enrollment Period if you experience certain life events, such as moving to a new area or losing other insurance coverage.
Prescription drugs are covered under Medicare Part D, which you can add to Original Medicare or get through a Medicare Advantage Plan that includes drug coverage. Each Part D plan has its own list of covered drugs, known as a formulary, and different cost structures.