Medicare Advantage: Comprehensive Coverage Made Simple

Medicare Part A covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care. Medicare Part B, on the other hand, focuses on outpatient services like doctor visits, preventive care, and durable medical equipment.

Most people enroll in both Part A and Part B to ensure comprehensive coverage for hospital and medical expenses. If you're still employed or have other health coverage, you may choose to delay Part B. Speak with a Burris Insurance agent to understand your options.

For most individuals, Medicare Part A is premium-free if you or your spouse paid Medicare taxes while working. However, there are deductibles and coinsurance costs for services.

Medicare Part B requires a monthly premium, which is determined based on your income. Additionally, there is an annual deductible, and after meeting it, you'll pay 20% of the Medicare-approved amount for most services.

You can enroll during your Initial Enrollment Period (IEP), which begins three months before you turn 65 and lasts for seven months. There are also Special Enrollment Periods (SEPs) if you qualify due to specific circumstances.

If you delay enrolling in Part B without qualifying for a Special Enrollment Period, you may face a late enrollment penalty, which will increase your premium for as long as you have Part B.

Medicare Part A covers skilled nursing facility care under certain conditions, such as after a qualifying hospital stay. It does not cover custodial care or long-term stays.

Yes, Medicare works alongside other types of insurance, such as employer coverage, Medicaid, or private insurance. Our team can help you understand how Medicare coordinates with your existing plan.

• Part A: Deductibles and coinsurance costs apply to inpatient services.
• Part B: Monthly premiums, an annual deductible, and 20% coinsurance for most covered services after meeting the deductible.

Our experienced team at Burris Insurance offers personalized guidance to help you understand your Medicare options, enroll with confidence, and ensure you have the right coverage for your needs.