What is Medicare? 

Medicare is a federal health insurance program designed to provide coverage for eligible individuals aged 65 and older, as well as certain individuals with disabilities or specific medical conditions. It consists of different parts, each offering various benefits to meet your healthcare needs.

Medicare Part A: Hospital Insurance 

Medicare Part A covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health services. Eligible individuals typically do not have to pay a premium for Part A, as long as they or their spouse have paid Medicare taxes while working.

Medicare Part B: Medical Insurance

Medicare Part B provides coverage for doctor visits, outpatient services, preventive care, and medical supplies. It requires a monthly premium, and the cost may vary based on your income. Enrolling in Part B is optional, but it is essential to consider your healthcare needs carefully.

Medicare Part C: Medicare Advantage

 Medicare Part C, also known as Medicare Advantage, is an alternative to Original Medicare (Parts A and B) offered by private insurance companies approved by Medicare. It combines hospital and medical coverage into one plan, often including additional benefits such as prescription drug coverage, dental, and vision care.

Medicare Part D: Prescription Drug Coverage

Medicare Part D provides prescription drug coverage, available as standalone plans or as part of a Medicare Advantage plan. It helps reduce the cost of prescription medications and ensures you have access to the medications you need to manage your health.

Medigap (Medicare Supplement) Plans

 Medigap plans are supplemental insurance policies offered by private companies to help fill the gaps in Original Medicare coverage. These plans can assist with out-of-pocket expenses, such as copayments, coinsurance, and deductibles.

Choosing the right Medicare coverage can be overwhelming, but at LT Insurance Services, we are here to help simplify the process. Contact our knowledgeable team to discuss your options, compare plans, and find the perfect fit for your healthcare needs. Remember, understanding your Medicare choices is the first step toward receiving "The Care You Deserve."