Georgia’s Leading Medicare Plans Insurance Providers
For help evaluating and enrolling in Medicare, speak with our team at Affordable Medicare Solutions. As Georgia’s award-winning Medicare insurance agency, we understand the challenges of identifying the ideal Medicare plan. We’ll guide you through the process from start to finish, assessing your needs and reviewing your options. We will also help you assess and manage your Medicare each year to determine if the plan you’re under is still your best choice. Speak with the professionals at Georgia’s best Medicare agency for free advice that puts your health and well-being first.
Understanding How Medicare Works
Medicare is a federal health insurance program that provides coverage to individuals 65 years of age or older (and to some younger people with disabilities). Medicare plans help pay for services such as hospital stays, doctor visits, preventive care and prescription medications.
Unfortunately, with many different plans, enrollment requirements, copayments, deductibles (and potential penalties), navigating Medicare can absolutely feel overwhelming. AMS simplifies this process by offering clear guidance, empowering you to maximize your Medicare benefits and minimize out-of-pocket costs.
An Overview of Your Medicare Plan Options
Decisions made about your health are among the most important you will ever make. For some people, this will entail making tough choices that balance costs and coverage. Keith Nabb and his team at AMS will walk you through the details of getting Medicare, including the following options.
Original Medicare Part A and Part B
Medicare Part A (hospital insurance) and Part B (medical insurance) make up Original Medicare. Part A covers inpatient hospital visits, skilled nursing facility care, hospice care and home healthcare. Part B covers certain doctor’s services, outpatient care, medical supplies and preventive services. Part A is generally premium-free for those who have worked and paid Medicare taxes for at least 40 quarters (10 years), while Part B requires a monthly premium based on income.
Medicare Advantage Insurance
Medicare Advantage (or Part C) is an all-in-one alternative to Original Medicare. Offered by Medicare-approved private insurers, these plans combine Part A (hospital insurance) and Part B (medical insurance) coverage into a single plan.
Unlike Original Medicare, Medicare Advantage plans often include additional services such as dental and vision insurance, prescription drug coverage, plus extra benefits like fitness programs or a grocery allowance.
Medicare Supplement Insurance
Medicare Supplement Insurance (Medigap) is a private insurance plan designed to cover the gaps in Original Medicare. While Original Medicare covers a wide range of health services, Medigap helps pay for out-of-pocket expenses like deductibles, copayments and coinsurance.
At AMS, we guide you through the available Medicare Supplement Insurance options. Our team will carefully explain the plans, some of which offer lower premiums with higher out-of-pocket costs or copayments on certain services.
Medicare Prescription Drug Plans
Medicare Prescription Drug Plans (Part D) offer comprehensive drug coverage to help individuals manage medication costs. These plans are offered by private insurance companies approved by Medicare, and can be purchased as a standalone plan or as part of a Medicare Advantage plan.
Part D plans usually have a monthly premium, an annual deductible, with copayments or coinsurance for each prescription filled. These costs vary depending on the specific plan and the medication tier.
Hospital Insurance
Medicare Part A or a Medicare Advantage plan includes inpatient hospital stays, care in a skilled nursing facility, physical therapy and other services. Many choose to enhance this coverage with hospital insurance to cover copayments, deductibles and other added extra benefits.
For extended hospitalizations, a comprehensive insurance plan can reduce the financial burden considerably. We’ll help you find the right plan to provide peace of mind in every circumstance. Those with Medigap don’t usually need hospital insurance, as these expenses are covered with that plan.
Why Choose Our Medicare Insurance Agency
As a multi-award-winning Medicare agency, we’re the natural choice for those who want to make informed decisions about their healthcare coverage.
- Over 100 years of collective experience.
- More than 20,000 customers served.
- Annual plan reviews for optimal coverage.
- Our advice and services are completely free.
From saving money on healthcare costs to getting the most complete coverage, we can help you reach your healthcare goals. Count on AMS to deliver for you with our transparent and hassle-free service.
Common Questions About Medicare Plans
What is the difference between Medicare Advantage and Medigap?
The difference between Medicare Advantage and Medigap is that Medicare Advantage is an alternative to Original Medicare. Individuals receive the same benefits as Medicare Part A and Part B, but with additional advantages like prescription drug coverage. In contrast, Medigap is supplementary insurance that covers costs like copayments, coinsurance and deductibles.
What happens if I miss my Medicare enrollment period?
If you miss your Medicare enrollment period, you may face penalties when you eventually sign up. The enrollment period lasts seven months, starting three months before your birth month and ending three months after.
Do Medicare plans cover prescription drugs?
Original Medicare does not cover most prescription drugs, but you can enroll in a separate prescription drug program for coverage. Alternatively, you could select a Medicare Advantage plan that includes drug coverage.
Find the Best Medicare Plan With Georgia’s Medical Insurance Experts
At Affordable Medicare Solutions, we provide straightforward guidance on Medicare plans and other health insurance services. Speak with our team over the phone or at our Suwanee, GA office for practical health insurance planning and comprehensive medical coverage. Call (770) 945-5261 or request a free Medicare insurance quote. You can also register for our free Medicare education webinar now.
