Medicare Can Be Confusing

Total Lifetime Care Insurance will help you find the right plan for your needs.
We specialize in Medicare and stay current on all the offerings so we can serve you best.
Whether you are deciding on your first Medicare plan or switching to a new one. Medicare can be confusing.
This is where Total Lifetime Care Insurance Group can help. We will discover your needs, explain your options, and help you choose the Medicare plan that fits you best.

Medicare Basics

Medicare Part A

Hospital Insurance

  • Helps pay forCare in hospital as an inpatient, critical access hospitals (small facilities that give limited outpatient & inpatient services to people in rural areas), skilled nursing facilities, hospice care and some health care.
  • Cost Most people get Part A automatically when they turn age 65.They do not have to pay a monthly payment, called a premium, for Part A because they or a spouse paid Medicare taxes while they were working.

Medicare Part B

Medical Insurance

  • Help pay for  Doctors, services, outpatient hospital care and some other medical services that Part A does not cover, such as services of physical and occupational therapists and some home healthcare. Part B helps pay for these covered services & supplies when they are medically necessary.
  • Cost Medicare beneficiaries pay a monthly Part B premium. The premium is based on income and can change yearly.

Medicare Part C

Part C – Medicare Advantage Plans

Medicare Advantage plans are offered by private insurance companies as an alternate to original Medicare (Parts A&B); plans are government subsidized and regulated.

People with Medicare can get their coverage through original Medicare (Parts A&B traditional-for-service program) or from Medicare private plans (the Medicare Advantage program also known as Medicare Part C).

Depending on where a person lives, that person may be able to enroll in a Medicare Advantage Plan offering one or more of the following types of health care: HMO, PPO, PFFS.

Medicare Part D

Part D- Prescription Drug Coverage

Part D Plans are offered by private companies to provide coverage for prescription drug cost; plans are government subsidized and regulated.

Medicare Part D is the federal government’s prescription drug program that covers both brand name and generic drugs at participating pharmacies in your area. Medicare Part C & D have the same eligibility and enrollment time-frame and criteria.

The coverage is available to all people eligible for Medicare, regardless of income and resources, health status, or current prescription expenses. Medicare prescription drug coverage provides protection for people who have very high drug costs.

So What Are Your Options?