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For decades people have lamented the complexity of Medicare, even making fun of turning 65 and needing to register for it in TV commercials and shows. Lana Insurance Center Inc. wants to help simply Medicare for our Wallingford, CT neighbors.
Understanding Medicare
When you turn 65 years old, you automatically qualify to register for Medicare. The US government provides about a six-month window for this registration.
When you register, you can choose to accept only the free Medicare Part A or accept it and add Parts B and/or D.
- Part A, the free insurance, covers hospital stays, skilled nursing facility care, also called a nursing home, hospice care, and home health care.
- Part B, one of the optional insurance parts, covers medical care, including doctor visits, medical equipment, preventative services, and some home healthcare costs.
- Part D, one of the optional insurance parts, covers prescriptions, including items like insulin.
- Part C, one of the optional insurance parts, covers all of the items in Parts A, B, and D. If you purchase Plan C, you don’t need Plan A, B, or D separately. They come as a bundle.
Other options include supplemental insurance plans that cover specific needs or special situations. Sometimes called Medigap insurance, these policies help cover your part of the costs of a hospital stay.
Part A covers many things in a hospital stay, but the insured individual always has some part of the cost of treatment to pay, even if it’s only a co-pay. Medigap pays for this portion of the healthcare costs.
Reach Out To Us Today
Avoid the confusion of Medicare parts by contacting Lana Insurance Center Inc. We serve Wallingford, CT with the Medicare insurance it needs to supplement Part A.
