Medicare Specialists Richmond Virginia

Original Medicare is a fee-for-service coverage under which the government pays your health care providers directly for your Medicare Part A (Hospital Insurance) and/or Part B (Medical Insurance) benefits. If you have other insurance that supplements Original Medicare, like a Medicare Supplement Insurance (Medigap) policy, it will help you with Medicare’s Co-pays and Co-insurance, but is generally limited to what original Medicare covers. Part D or a standalone Prescription Drug Plans are also a choice you may make to supplement original Medicare.

If you have a Medicare Advantage Plan (like an HMO or PPO) or other Medicare health plan, your plan must give you at least the same coverage as Original Medicare, but it may have different rules. Your costs, rights, protections, and choices for where you get your care might be different if you are in one of these plans. You might also get extra benefits, Dental coverage, Vision benefits, Hearing Aids, Transportation. These Medicare Advantage plans or part C, are becoming more and more attractive because of the benefits above and beyond original Medicare. More than 30% of Americans now have a Medicare Advantage plan. These plans are state, and county based and are regulated by the Federal Government Centers for Medicare Services. We recommend that you consult with a professional before making a choice you regret.

You may also choose other supplemental benefits. There are standalone Dental, Vision, and hearing plans, Hospital Indemnity Plans to help with co-pay and co-insurance expenses, and more. We want to make sure you have the information you need to make the best decisions about your health care. This includes giving you access to cost and quality information up front, so you can compare and choose the providers and services that give you the most value. Call to Get free, personalized counseling on plan choices and availability.