Navigating Medicare can feel overwhelming, but it doesn’t have to be. At Hatzung Insurance, we help you understand your options and choose the right plan to meet your healthcare needs and budget. Whether you’re new to Medicare or exploring additional coverage, we’re here to simplify the process and provide the support you need.
Medicare is a federal health insurance program for individuals age 65 and older, as well as certain younger individuals with disabilities. It’s divided into different parts to cover specific healthcare services:
Original Medicare
Part A and Part B coverage for hospital stays, doctor visits, and outpatient care.
Medicare Advantage (Part C)
All-in-one plans that combine hospital, medical, and often prescription drug coverage.
Medicare Part D
Prescription drug plans to help reduce your out-of-pocket medication costs.
Medicare is available for individuals who meet the following criteria:
A: Original Medicare includes Part A and Part B, while Medicare Advantage (Part C) combines those coverages and often adds prescription drug benefits.
Q: When can I enroll in Medicare?A: You can enroll during your Initial Enrollment Period (IEP), which starts three months before your 65th birthday and lasts for seven months. Special Enrollment Periods (SEPs) may also apply.
Q: Do I need Medicare Part D if I don’t take prescription drugs?A: While it’s not mandatory, enrolling in Part D can protect you from higher costs later if you need medications in the future.
Understanding Medicare doesn’t have to be complicated. At Hatzung Insurance, we’re here to guide you every step of the way. Call us at 952-927-4600 or request a free quote online to explore your Medicare options and secure the coverage you need.