Health Insurance & Medicare

Key points to consider when choosing a health insurance plan:
 

• Coverage Options: Understand the different types of plans available, such as HMOs, PPOs, and EPOs, and what they cover.

• Premiums and Deductibles: Learn about the cost of premiums and deductibles and how they affect your out-of-pocket expenses.

• Network of Providers: Ensure your preferred doctors and hospitals are included in the plan’s network.

• Benefits and Limits: Review the benefits provided, such as preventive care, emergency services, and specialist visits, as well as any coverage limits.

What is Medicare?
Medicare is a federal health insurance program primarily for people aged 65 and older, but it also covers certain younger individuals with disabilities or specific conditions like End-Stage Renal Disease (ESRD). Medicare consists of different parts, each covering specific services:

Medicare Part A: Covers hospital stays, skilled nursing facility care, hospice care, and some home health care.
Medicare Part B: Covers outpatient care, doctor services, preventive services, and some home health care.
Medicare Part C (Medicare Advantage): An alternative to Original Medicare that offers additional benefits through private insurance companies.
Medicare Part D: Covers prescription drugs.
 

Selecting the right Medicare plan can be overwhelming, but we’re here to guide you through the process. Consider the following when choosing a plan:
 

• Coverage Needs: Assess your healthcare needs, including medications, preferred doctors, and necessary treatments.

• Costs: Understand the costs associated with each plan, including premiums, deductibles, copayments, and coinsurance.

• Additional Benefits: Evaluate additional benefits offered by Medicare Advantage plans, such as vision, dental, and wellness programs.

• Enrollment Periods: Be aware of important enrollment periods to avoid late penalties and ensure continuous coverage.

How We Can Help
At West McCandless Group, our experienced professionals are dedicated to helping you navigate the complexities of health insurance and Medicare. We will work with you to:
 

• Understand your healthcare needs and financial situation.

• Explain your health insurance and Medicare options in detail.

• Help you choose the right plan to fit your needs and budget.

• Assist with the enrollment process and provide ongoing support.

Get Started Today
Don’t navigate health insurance and Medicare alone. Contact us today to schedule a consultation with one of our experts. We’ll provide personalized advice and help you find the best coverage for your needs.