Lana Insurance Center Inc

1259 South Broad St
Wallingford, CT 06492

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Do You Need Parts A, B, C, and D of Medicare?

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.

Medicare Insurance FAQs

When you reach the age where you are eligible for Medicare, you have choices. Many myths exist about advantage plans and what they do and do not cover. You may not realize all the ramifications of your decisions. At Lana Insurance Center Inc. in Wallingford, CT, we are here to help guide you and to answer your questions about the choices you must make when it comes to your Medicare coverage. 

Medicare Insurance FAQs

What is a Medicare Advantage Plan?

A Medicare Advantage Plan is coverage provided by private insurance companies that covers the same things that Medicare covers. The advantage is that many of the plans include your prescription coverage. You may also get lots of other benefits, including membership in a gym, dental coverage, OTC money to spend, and more. Some cost no more than your Medicare payment, others have a monthly fee. 

What does Medicare Supplement (Medigap) pay?

Medicare doesn’t cover 100% of medical care. Medigap insurance helps to fill in the gap between what Medicare pays and what is actually charged. Private insurance companies provide coverage. 

What do I need to know about Medicare Part D (prescription plans)? 

Traditional Medicare doesn’t have prescription coverage, you have to buy it separately. You may not be aware that you are required to have a prescription plan once you become eligible for Medicare. If you have creditable prescription coverage from another source, you may be able to avoid the penalty you are required to pay for not having it. Keep records of your other coverage to prove you had it. The penalty will be added to your Medicare prescription coverage once you do get it and it will never go away, ever. Since it is a percentage, if the premium goes up, so does your penalty. 

Give Us A Call

Contact Lana Insurance Center Inc. in Wallingford, CT to discuss what options you need to consider when it comes to Medicare insurance. 

Do You Qualify for Medicare Insurance?

At Lana Insurance Center Inc., we work with a broad range of different people. For example, many of our clients need or have Medicare coverage to help with their health needs. But do you qualify for this type of protection or not? It is important to fully understand this factor to ensure that you get the high-quality and enjoyable policy that you need to avoid complications. 

Qualifications for Medicare 

  • You receive retirement benefits from Social Security or Railroad Retirement Board benefits 
  • You or your partner worked for a Medicare government employer and paid Medicare taxes
  • You are 65 years or older and did not pay for Medicare taxes (see the second point here) 

Before assuming that you fall under Part A coverage, it is important to talk to your agent to learn more. Many people qualify for Part A and don’t have to pay premiums if they need kidney dialysis, receive a kidney transplant, or are entitled to Social Security benefits or Railroad Retirement disability help for 24 months. In this situation, you do not pay premiums but can instead get your coverage for free due to economic or health problems. 

By comparison, you will have to pay a premium if you qualify for Part B, which many people do. Don’t worry: you don’t have to pay these premiums out of your pocket in many cases. The premium is often taken from a Social Security, Civil Service Retirement, or Railroad Retirement Board check. Don’t receive these payments? Then, you do need to pay your premiums. 

Learning More About Your Coverage 

If you’re not certain if you qualify for Medicare, it is important to talk to someone who can help you. This insurance coverage could help to improve your overall quality of life if used properly. Call us at Lana Insurance Center Inc. to learn more about whether or not you qualify for this protection.

An In-Depth Look At Medicare Insurance

Lana Insurance Center Inc. offers coverage to Connecticut residents. We offer our clients multiple types of coverage to ensure that they are protected in any situation. We will assess your individual situation and find a policy designed for your unique needs.

Medicare Insurance Overview

Maintaining a healthy lifestyle helps you feel good and keeps you motivated to accomplish great things. Having health insurance is an important part of the process. Medicare insurance is flexible, which allows you to choose a policy that aligns with your goals. Traditional plans include a network. This means you can choose a primary car physician within a specified area. You also have the option to receive urgent care from any of the facilities listed in the network. If none of those are a fit, you could opt for an alternative policy, which gives you more freedom to choose a doctor and preferred hospital outside the network. Each of the policies has a different set of guidelines regarding coverage if your primary care physician recommends that you take prescription drugs.

Medicare insurance does cover important dental procedures if you are undergoing surgery. However, preventative care such as regular checkups and cleanings are not covered. In some cases, Medicare insurance does cover vision exams, especially if you are at a high risk of contracting glaucoma. You are covered if you want to receive a yearly flu shot as part of your preventative care. If you are admitted to the hospital, Medicare will cover your treatment and your rehabilitation.

Lana Insurance Center Inc. Will Help You Find The Right Coverage

Visit our website to learn more information about Medicare insurance.  

How to choose the best Medicare Advantage Plan for you

Choosing healthcare is confusing. Lots of terms and figures to compare, and Medicare Advantage Plans are no different. Depending on which state you live in, you may have lots of choices or only a limited number of choices. Connecticut is one of the states that have lots of options. Having an insurance agent that you can trust and count on is vital to making an informed decision. At Lana Insurance Center Inc. in Wallingford, CT, we have years of experience helping our clients find the perfect insurance products to meet their unique needs. 

Your doctor is in their network.

No matter which carrier you think has the plan that fits your needs, you need to know your preferred doctor/doctors accept the plan. The carrier will have a list of the doctors in their network on their website, or you can call your doctor’s office and ask them if they accept the plan. 

Your medication is in the formulary.

With most Medicare Advantage Plans, prescription coverage is included. The medications are listed in a formulary, and they are placed in tiers. Some tiers include deductibles, as well as copays. 

Is there a deductible 

Some plans have zero monthly premium. On the surface, that sounds great, and it may very well be great, but make sure there isn’t a large deductible built in that will keep you from afford service.


Compare the amount you will pay for doctor visits and basic services like x-rays and blood tests. Are you responsible for a percentage of the cost? 


Some plans include dental, vision, and hearing benefits. You may also get a credit to use for over the counter items. Getting a free membership at a health club is also something to check out. 

Contact Lana Insurance Center Inc. in Wallingford, CT to discuss the Medicare Advantage Plans that are offered to Connecticut residents. 

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