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Medicare Parts A B C & D explained.
Medicare Part A — Your Hospital Coverage
When you apply to Medicare, you are automatically enrolled in the Part A plan. Part A is your hospital insurance plan. It covers nursing care and hospital stays
Medicare Part B — Your Medical Coverage
Part B pays for a portion of your doctor visits, some home health care, medical equipment, outpatient procedures, rehabilitation therapy, laboratory tests, X-rays, mental health services, ambulance services and blood.
Medicare Part C — Your Private Insurance Option
Part C plans are offered through private insurance companies and approved by Medicare. They are also known as Medicare Advantage or Medicare Health plans.
Medicare Part D — Your Prescription Drug Plan Part D is optional and available to people who are enrolled in Original Medicare (Parts A and B). Part D plans are offered by private insurance companies that are approved by Medicare. You sign up for them directly with the private insurer.
Catastrophic: Catastrophic policies pay less than 60% of the total average cost of care. Catastrophic plans must also cover the first three primary care visits and preventive care for free, even if you have not yet met your deductible.
Platinum: covers 90% on average of your medical costs; you pay 10%
Gold: covers 80% on average of your medical costs; you pay 20%
Silver: covers 70% on average of your medical costs; you pay 30%
Bronze: covers 60% on average of your medical costs; you pay 40%
We will help you understand the different types of plans available as an individual or family.
Life insurance is a crucial step in planning for your future and the future of your loved ones.
Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.
Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.