Medicare is a government program designed to provide medical coverage for those over the age of 65 years. Traditional Medicare, often referred to as original Medicare, covers 80% of many medical costs. The remaining 20% is your responsibility, or you can purchase a Medicare supplement policy. Original Medicare also doesn’t include drug coverage, which you must purchase separately. When you choose a Medicare Advantage program, you receive all the coverage of the original Medicare and, in most cases, much more. At A.L. Saland Insurance Solutions in Odessa, FL, we are here to help you make the right Medicare coverage decision.
Deductible
Some Medicare Advantage programs have a yearly deductible for both medical and drug coverage, while many others do not. Many plans offer $0 co-pays for tier 1 and 2 drugs. Original Medicare has a $240 deductible on medical and no drug coverage. We will ask you what drugs you take and check if they are covered and if they have a deductible.
Dental, Eye, and Hearing
With a Medicare Advantage Plan, you may have coverage for routine dental, eye exams, and hearing exams. It may include an allowance for glasses, a hearing aid, and even dentures. Original Medicare does not offer this coverage.
OTC
Many plans offer a quarterly OTC allowance to help pay for things like a new cane, aspirin, cough medicine, and other allowed products. You can buy these products at many local drug stores, big box stores, over the phone, and online. Original Medicare does not offer This Allowance.
Health Club Membership
With most Medicare Advantage programs, you can access Silver Sneakers, Renew, or health clubs as part of your coverage. Original Medicare does not offer this.
Contact our office, A. L. Saland Insurance Solutions Inc., in Odessa, FL, to discuss your Medicare Insurance needs.
