Unique Service for Individual Medicare Needs

People with Medicare typically get basic coverage through Parts A and B. Part A is generally considered hospital insurance, covering inpatient hospital stays, hospice care, skilled nursing facility care, and some home health care. Part B is the medical insurance that covers certain doctor’s services, outpatient care, medical supply, and other preventative services. Reach out to My Insured Choice to find out more. 

Medicare Advantage is also known as Part C, and is a plan option that combines Parts A and B, and often Part D into one plan. Part D is extra coverage people can choose to help lower the costs of prescription drugs. This type of plan is offered by Medicare-approved private companies that must follow the rules set by Medicare. There are a variety of Medicare Advantage plans, so reach out to My Insured Choice to clear some of the confusion around them. 

Sometimes Medicare Supplement Insurance is called “Medigap.” This is extra insurance you can purchase from a company like My Insured Choice to help pay your share of out-of-pocket costs in Original Medicare. Typically, you have to have Original Medicare (Parts A and B) to purchase a Medigap policy. Talk to My Insured Choice today about where these supplements can help.

Part D of Medicare can help with covering the costs of prescription drugs. All plans must cover a wide range of prescriptions that people with Medicare take, including drugs from protected classes (like drugs to treat cancer, depression, etc.). Prescription drugs are also placed in different tiers of coverage, so it’s important to work with a broker like My Insured Choice to make sure you’re getting the right plan.

Dental services typically aren’t covered in Medicare Plans A and B, but there are some exceptions. Some Advantage plans can over supplemental dental benefits for exams, cleanings, fillings, etc. Your needs for dental care don’t stop as you get older, and making sure that you have the right coverage is imperative to avoiding unnecessary dental costs. My Insured Choice can help get you the right plan for your dental needs.

Hospital indemnity insurance is a supplemental policy that will pay the policyholder when they’re hospitalized for a covered illness or injury. These plans can be a great supplement to Medicare plans to help cover expensive hospital costs. Medicare covers some hospital expenses, but not all, and this is where hospital indemnity insurance can be a big help. Talk to My Insured Choice to see where this fits in your coverage.

There are a lot of things Medicare covers, but it doesn’t cover the costs of funerals or cremation. Final expenses can be very expensive, and we want to make sure that they don’t put an unnecessary burden on the loved ones making the arrangements. My Insured Choice can help with final expense insurance to make sure the aid is there to make that whole process less stressful. 

While Medicare covers numerous cancer treatments and some critical illnesses, it doesn’t cover everything. Cancer/Critical Illness insurance can help cover the high costs of treating these life-threatening illnesses, but it’s important to consider this coverage while you’re still healthy. My Insured Choice will help navigate what coverage you may need and when to get it – so that you’re not left with an enormous hospital bill. 

Medicare can cover some of the short-term care needs, but there might be a need for extra coverage in some instances. Some people need skilled nursing facilities or home health care, and there are numerous coverages for this. My Insured Choice will help you get the right coverage for your situation, giving you the peace of mind that you’ll be taken care of should those situations arise.

Not all needs are medical in nature, and My Insured Choice can also help you find an annuity that meets your financial needs. Annuities are a type of life insurance that can provide a monthly benefit in return for a premium paid to an insurance company. My Insured Choice will deliver unbiased information on your coverage options and find out if an annuity is right for you.