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Medicare Agent Stony Brook, NY
ABC Medicare Plans Broker is very familiar with plans available in Stony Brook, NY and can help you understand the choice between remaining on Original Medicare and enrolling in a Supplement, along with a drug plan OR enrolling in a Medicare Advantage Plan.
Original Medicare
Original Medicare has Part A (Hospital) which covers hospital stays and inpatient services and Part B (Medical) which covers doctor visits, some vaccines and medications and more. It's important to know that not everything is covered the same and there are out-of-pocket expenses to prepare for.
Medicare Supplements & Part D Stony Brook, NY
Medigap plans (also called Medicare Supplements) are sold by private companies and are designed to cover some of the health care costs that Original Medicare does not cover, like deductibles and coinsurance. You need a separate Prescription Drug Plan as well.
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Medicare Advantage Stony Brook, NY
Medicare Advantage Plans (Part C) are typically an HMO or a PPO plan offered by private insurance companies, which takes over your healthcare for Part A, Part B and usually include Part D. They were designed to give Medicare Beneficiaries a lower premium alternative.