Beavercreek Homestead Insurance

Medicare Health Solutions

If you are over 65, just about to turn 65, you are disabled and have Medicare or Medicare and Medicaid, I can help you with a selection of Medicare products that would be the right fit for you.

What are all the parts to Medicare?:

Medicare Part A = Pays 80% of hospitalization coverage
Medicare Part B = Pays 80% of medicine (Doctors) out patient care and durable goods
Medicare Part C = A combination of Medicare Part A and part B benefits, some have Medicare Part D (Formulary or prescription drug benefits) included.
Medicare Part D = Formulary or prescription drug benefits

What if I preferred to have Original Medicare Parts A and B?

Pays 80% of you approved Hospital and medical cost

Why purchase a Medigap or Medicare Supplement?

If you purchased a Supplemental Insurance policy it cover the 20% that Medicare does not cover. Some policies offered by companies have additional benefits included, such as AARP. The addition benefits include 24/7 nurse hotline and Silver Sneakers.
Here is an example of the lowest premium Medicare Supplement policy available we have available.

These premium rates are reflected for people who live in the zip codes starting with 430 through 435, 437, 438 and 446 through 458. These are 2010 sample premium rates and not limited too if you qualify. As shown are a few, but not all, of the most popular plans available.

Female Non-Tobacco

	At Age 65	At Age 70	At Age 75	At Age 80	At Age 85
Plan D	$83.47	$98.92	$111.63	$121.23	$129.51
Plan F	$113.88	$134.95	$151.98	$164.66	$175.44
Plan L	$77.87	$94.56	$122.37	$122.37	$122.37
Plan N	$91.70	$111.35	$144.10	$144.10	$144.10

Male Non-Tobacco

	At Age 65	At Age 70	At Age 75	At Age 80	At Age 85
Plan D	$95.94	$113.70	$128.31	$139.35	$148.87
Plan F	$99.08	$117.40	$132.22	$143.25	$152.64
Plan L	$77.87	$94.56	$122.37	$122.37	$122.37
Plan N	$91.70	$111.35	$144.10	$144.10	$144.10

What is Medicare Part C?

Part C is a combination of Part A and B and some policies have Part D included.
They have a low Premium , most likely $0 to $40.
They are primarily in network HMO and some are HMO / PPO networks. A HMO / PPO policy allows you to be out of network with a slightly higher co-pay more like $5.
The primary physician co-pays are a low nominal amount roughly $20 to $25 dollars
They have co-pays to doctors, hospitals, and emergency rooms.
Many have emergency benefits if traveling outside your network or county.
The benefits are cost savings and are good for people who have to watch their medical expense.

For more information about either Medicare Advantage plans or Medicare Supplemental plans please contact us and we will be able to help you.