Understanding Your Medicare Coverage

Medicare can provide essential and cost-effective health insurance, but navigating coverage options and plan details can feel overwhelming, especially as you approach retirement age or become newly eligible. At Universal Insurance Agency, our team is here to help you understand Medicare and find the plan that fits your needs.

What Is Medicare and Who Is Eligible?

Medicare is a government-sponsored health insurance program primarily intended for people age 65 and older, although certain younger individuals with disabilities or specific health conditions may also qualify for coverage. Medicare is divided into several parts, each covering different aspects of health care. Consider the following options and how each may help address your needs:

• Part A (Hospital Insurance) can cover inpatient hospital stays, skilled nursing facility care, hospice and some home health care costs.
• Part B (Medical Insurance) may help limit costs for outpatient care, doctor visits and preventive services, such as checkups, screenings and vaccinations.
• Part C (Medicare Advantage) is offered by private insurers. These plans combine the coverages of Parts A and B and often include additional benefits, such as prescription drug coverage, dental or vision.
• Part D (Prescription Drug Coverage) can supplement Parts A and B by helping to pay for prescription medications.

How Our Team Can Help

Choosing the right Medicare plan can be a complicated and even intimidating process, but you don’t have to do it alone. Our knowledgeable and experienced staff is dedicated to helping residents in Dayton, OH and throughout Ohio with the following steps:

• Comparing Medicare plans and coverage options
• Understanding enrollment periods and eligibility
• Identifying potential cost savings and extra benefits
• Answering questions about Medicare options

Contact us today to schedule a consultation with our team.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.