Medicare enrollment can be confusing, our highly trained Medicare professionals take the time to explain exactly what Medicare does and does not cover. Atlanta Insurance Solutions represents all major carriers in the Medicare market and will find a solution that solves your Medicare needs.
Contact Atlanta Insurance Solutions today for immediate help with your Medicare needs. Simply complete one of our quote forms below and we will get in touch with you.
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Medicare Information | Medicare Benefits | Medicare Part B | Medicare Coverage
The information below will help you decide what Medicare coverage best suits your health care needs:
Whether you’re new to Medicare or considering changing your Medicare choices, one of the main decisions you need to make is how you want to receive your Medicare coverage. Atlanta Insurance Solutions can help you make the choice that’s right for you.
First Things First
You can enroll in Medicare Part A, Medicare Part B or both Medicare Part A and B. Medicare Part A covers care you receive in a hospital or skilled nursing facility, while Medicare Part B covers doctor visits and outpatient care.
Medicare Part A is "premium free" for most people. You must pay a monthly premium to Medicare for Medicare Part B.
People who are working and covered under their (or their working spouse’s) employer or union health plan may decide to delay enrolling in Medicare Part B. If you decide to enroll later, you must qualify for a Special Enrollment Period to avoid a late-enrollment penalty.
Original Medicare or Medicare Advantage?
People who are enrolled, or choose to enroll, in both Part A and Part B of Medicare can receive their benefits through Original Medicare or through a Medicare Advantage plan (Medicare Part C).
Original Medicare is administered by the federal government. The coverage, cost terms and conditions are the same for everyone, no matter where you live. Medicare Advantage plans are offered by private insurance companies approved by Medicare. Coverage, cost terms and conditions vary from plan to plan. Medicare plans are offered regionally and you can choose from the plans that are available where you live. You can use the Plan Finder at Medicare.gov to find plans in your area.
Medicare Made Clear’s Decision Guide presents the two choices - Original Medicare or Medicare Advantage - in a clear and simple graphic. You can follow each path and see what’s included with each kind of coverage.
Additional Coverage or Combined Coverage?
As the Decision Guide shows, you may need to purchase additional insurance to help pay for some services that Original Medicare doesn’t cover. For example, Original Medicare does not cover prescription drugs. In addition, you pay 20% of the cost for doctor visits under Original Medicare. Some people choose to add Medicare Supplement Insurance (Medigap) and prescription drug plans (Medicare Part D) to help cover these costs.
Medicare Advantage plans must include, at minimum, the same coverage offered by Original Medicare. Most plans also include prescription drug coverage and extra benefits such as vision, dental and hearing exams - all combined in one plan.
Monthly premiums with a Medicare Advantage plan can be as low as $0, though you must continue to pay your Part B premium to Medicare. In addition, you will never pay more out-of-pocket than the limit set by Medicare ($6700 in 2012). Note: There is no out-of-pocket limit with Original Medicare.