Medicare 101

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Phoenix Star can help you on your journey

Navigating through the Medicare Systems can feel like an insurmountable task. With an array of plans to choose from, it is quite easy to feel overwhelmed. Your Phoenix Star insurance professional takes the time to understand your unique needs and provides expert guidance.  As your Independent Insurance Broker, we shop and compare the Marketplace – never a fee for our expert advice.

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10130 Garden Grove Blvd.
Suite 119
Garden Grove, CA 92843

Contact

800-874-6884

Medicare

Medicare is a federal program that provides health insurance coverage to individuals 65 years old and older in the United States. We specialize in helping seniors navigate through this complicated system to get the coverage that best suits their needs. To speak with a professional about your options, call 714.697.8209.

Medicare is a federal program that provides health insurance coverage to eligible individuals in the United States. Navigating through the Medicare system can feel like an insurmountable task. The professionals at Phoenix Star Insurance Agency are here to help guide you to the coverage that is right for you. Contact us today to discuss your options with one of our caring and knowledgeable agents.

The Basics of Medicare

Eligibility

To be eligible for Medicare, a person must be 65 years old or older and a citizen or legal resident of the United States who has been living here for at least five consecutive years.

Base Plans

Medicare coverage begins with the decision to be covered under Original Medicare (Medicare Part A and B) or Medicare Advantage (Medicare Part C).

Original Medicare

Part A or hospital insurance provides coverage for inpatient hospital stays, care in a skilled nursing facility, hospice care, and home health care. Part B or medical insurance provides coverage for outpatient care including doctor visits, durable medical equipment, lab tests, and preventative service. Together, Medicare Part A and B provide the base for the beneficiary’s basic medical coverage.

Medicare Advantage

Part C provides the same coverage as Original Medicare (Part A and B), but through a private insurance company and often with additional benefits.  Many beneficiaries are drawn to Medicare Advantage plans because these plans combine the benefits of Part A and B with other benefits such as prescription drug coverage, vision, and dental into one plan.  These plans vary depending on the type chosen.

Prescription Coverage (Part D)

Original Medicare (Part A and B) does not provide coverage for medications, which can pose a significant financial burden. Part D has a list of covered medications, so beneficiaries are able to review the list to ensure their medications will be covered prior to enrolling in the plan.

Medicare Supplement (Medigap)

Most often, Original Medicare (Part A and B) leaves the beneficiary responsible for a percentage of the medical expense, significant copays, or large deductibles.  Medicare Supplement coverage provides help paying for those additional medical costs that are not covered by Part A and B.

Eligibility

To be eligible for Medicare, a person must be 65 years old or older and a citizen or legal resident of the United States who has been living here for at least five consecutive years.

Base Plans

Medicare coverage begins with the decision to be covered under Original Medicare (Medicare Part A and B) or Medicare Advantage (Medicare Part C).

Part A or hospital insurance provides coverage for inpatient hospital stays, care in a skilled nursing facility, hospice care, and home health care. Part B or medical insurance provides coverage for outpatient care including doctor visits, durable medical equipment, lab tests, and preventative service. Together, Medicare Part A and B provide the base for the beneficiary’s basic medical coverage.

Part C provides the same coverage as Original Medicare (Part A and B), but through a private insurance company and often with additional benefits. Many beneficiaries are drawn to Medicare Advantage plans because these plans combine the benefits of Part A and B with other benefits such as prescription drug coverage, vision, and dental into one plan. These plans vary depending on the type chosen.

Original Medicare (Part A and B) does not provide coverage for medications, which can pose a significant financial burden. Part D has a list of covered medications, so beneficiaries are able to review the list to ensure their medications will be covered prior to enrolling in the plan.

Most often, Original Medicare (Part A and B) leaves the beneficiary responsible for a percentage of the medical expense, significant copays, or large deductibles. Medicare Supplement coverage provides help paying for those additional medical costs that are not covered by Part A and B.

Learn More About Your Options

We understand that navigating through the Medicare systems can be overwhelming. We believe in making Medicare coverage as accessible and understandable as possible for our clients. Please reach out to us if you want to chat or have any questions for our team.

Your privacy is important. We will protect all personal information.

This is a solicitation of insurance. By submitting your information, you agree that an authorized representative or licensed insurance agent from Phoenix Star Insurance Services, license # 0I13819, may contact you by phone, e-mail or mail to answer your questions or provide additional information about insurance options, including Medicare Advantage, Medicare Part D, Medicare Supplement Insurance, Long Term Care, and/or Life Insurance.