Medicare

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Whether you are approaching this important milestone in your life or need to make changes in your current coverage; navigating and understanding the complex, and often confusing options available can be a difficult task.

We would like to offer assistance to you as you explore Medicare and supplemental Medicare insurance. Here are answers to a few questions you may have.

Am I eligible for Medicare? And what is Medicare all about?
You first become eligible for Medicare three months before you turn sixty-five, with open enrollment continuing for three additional months after your birthday. So now is the perfect time to explore your options.

There are four parts to consider:

• Part A is hospital insurance and skilled nursing care.
• Part B helps pay for medical services that Part A doesn’t cover.
• Part C is called Medicare Advantage.  It is provided by Medicare-approved private insurance companies, and offers more comprehensive coverage, including  Parts A and B.
• Part D is prescription drug coverage that is also provided through private insurance companies.

How can Towne Benefits help me understand Medicare benefits?
Medicare helps with the cost of health care, but does not cover all medical expenses or the cost of most long-term care. To obtain the best coverage for your needs, it is important to talk with specialists who can factor in your prescription drugs, your ongoing health needs, and your long-term health care.