[et_pb_section fb_built=”1″ admin_label=”Policies” _builder_version=”4.16″ background_color=”rgba(255,255,255,0)” custom_padding=”0|0px|58px|0px|false|false” global_colors_info=”{}”][et_pb_row make_equal=”on” _builder_version=”4.22.1″ custom_margin_last_edited=”off|desktop” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.22.1″ background_enable_color=”off” custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.27.4″ text_font=”Montserrat|300|||||||” text_line_height=”2em” header_font=”||||||||” header_2_font=”||||||||” header_2_font_size=”36px” header_2_line_height=”1.4em” text_orientation=”center” hover_enabled=”0″ header_2_font_size_tablet=”30px” header_2_font_size_phone=”24px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n
People approaching the age 65 or older with certain disabilities <\/p>\n
People under 65 and have been on disability for at least 24 months[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.27.4″ custom_margin_last_edited=”off|desktop” custom_padding=”0|0px|27px|0px|false|false” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.27.4″ background_color=”#FFFFFF” custom_padding=”25px|25px|25px|25px|false|false” box_shadow_style=”preset3″ box_shadow_vertical=”10px” box_shadow_blur=”80px” box_shadow_spread=”-10px” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”Medicare Part A (Hospital Insurance)” image=”https:\/\/colacheinsurance.com\/wp-content\/uploads\/2023\/09\/insurance-28.png” icon_placement=”left” content_max_width=”1100px” _builder_version=”4.22.1″ header_font=”||||||||” header_line_height=”1.6em” body_font=”Montserrat|300|||||||” body_line_height=”2em” background_color=”#ffffff” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”10%” animation=”off” border_radii=”on|10px|10px|10px|10px” global_colors_info=”{}”]Part A helps cover inpatient care in hospitals, including critical access hospitals, and skilled nursing facilities (not custodial or long-term care). It also helps cover hospice care and some home health care. Beneficiaries must meet certain conditions to get these benefits. Most people don’t pay a premium for Part A because they or a spouse already paid for it through their payroll taxes while working.[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.27.4″ background_color=”#FFFFFF” custom_padding=”25px|25px|25px|25px|false|false” box_shadow_style=”preset3″ box_shadow_vertical=”10px” box_shadow_blur=”80px” box_shadow_spread=”-10px” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”Medicare Part B (Medical Insurance) ” image=”https:\/\/colacheinsurance.com\/wp-content\/uploads\/2023\/09\/insurance-29.png” icon_placement=”left” content_max_width=”1100px” _builder_version=”4.22.1″ header_font=”||||||||” header_line_height=”1.6em” body_font=”Montserrat|300|||||||” body_line_height=”2em” background_color=”#ffffff” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”10%” animation=”off” border_radii=”on|10px|10px|10px|10px” locked=”off” global_colors_info=”{}”]Part B helps cover doctors’ services and outpatient care. It also covers some other medical services that Part A doesn’t cover, such as some of the services of physical and occupational therapists, and some home health care. Part B helps pay for these covered services and supplies when they are medically necessary. Most people pay a monthly premium for Part B.[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,2_3″ make_equal=”on” _builder_version=”4.27.4″ global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.27.4″ background_color=”#FFFFFF” custom_padding=”25px|25px|25px|25px|false|false” box_shadow_style=”preset3″ box_shadow_vertical=”10px” box_shadow_blur=”80px” box_shadow_spread=”-10px” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”Medicare Part C” image=”https:\/\/colacheinsurance.com\/wp-content\/uploads\/2023\/09\/insurance-23.png” icon_placement=”left” content_max_width=”1100px” _builder_version=”4.22.2″ header_font=”||||||||” header_line_height=”1.6em” body_font=”Montserrat|300|||||||” body_line_height=”2em” background_color=”#ffffff” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”10%” animation=”off” border_radii=”on|10px|10px|10px|10px” global_colors_info=”{}”]Medicare Advantage Plans are offered by a set of CMS-approved private insurance companies. Medicare Advantage Plans may include additional benefits and prescription drug coverage.[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”2_3″ _builder_version=”4.27.4″ background_color=”#FFFFFF” custom_padding=”25px|25px|25px|25px|false|false” box_shadow_style=”preset3″ box_shadow_vertical=”10px” box_shadow_blur=”80px” box_shadow_spread=”-10px” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”Medicare Part D (Prescription Drug Coverage)” image=”https:\/\/colacheinsurance.com\/wp-content\/uploads\/2023\/09\/insurance-25.png” icon_placement=”left” content_max_width=”1100px” _builder_version=”4.22.2″ header_font=”||||||||” header_line_height=”1.6em” body_font=”Montserrat|300|||||||” body_line_height=”2em” background_color=”#ffffff” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”10%” animation=”off” border_radii=”on|10px|10px|10px|10px” locked=”off” global_colors_info=”{}”]<\/p>\n
Medicare prescription drug coverage is available to everyone who will or currently is enrolled under Medicare Part A and\/or Part B. To enroll in a Medicare Part D prescription drug plan, you must join a stand-alone Part D plan or a Medicare Advantage plan that includes prescription drug coverage. Even if you don\u2019t take prescriptions now, you should consider joining a Medicare drug plan or a Medicare Advantage Plan (Must be enrolled under Part A and Part B) with drug coverage to avoid a penalty. <\/p>\n
[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Bundles” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/colacheinsurance.com\/wp-content\/uploads\/2023\/09\/happy-old-woman-embraces-her-husband_175634-16200.jpg” title_text=”happy-old-woman-embraces-her-husband_175634-16200″ align_tablet=”center” align_phone=”center” align_last_edited=”on|desktop” _builder_version=”4.22.1″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_divider color=”#006ef4″ divider_weight=”3px” _builder_version=”4.16″ max_width=”100px” custom_margin=”||0px|” locked=”off” global_colors_info=”{}”][\/et_pb_divider][et_pb_text _builder_version=”4.22.1″ text_font=”Montserrat|300|||||||” text_line_height=”2em” header_font=”||||||||” header_2_font=”||||||||” header_2_font_size=”36px” header_2_line_height=”1.4em” header_2_font_size_tablet=”30px” header_2_font_size_phone=”24px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n
Medicare Supplemental Insurance is designed to cover the gaps in Original Medicare. Medicare Supplemental plans are also known as Medigap plans. They are offered by most private insurance. Medicare Supplemental plans offered by the carriers, only vary by the price for the plan. All the carriers cover the Medicare Supplemental plan the same way. You will have access to all physicians who participate with Medicare nationwide. Some policies offer value added services. All Medicare Supplemental Plans must offer a set of basic benefits, but some Medicare Supplemental plans are designed to offer more. Original Medicare pays for a sizable portion of the healthcare services you need, but you are responsible for paying some portion, including copays, deductibles, and coinsurance.<\/p>\n
Please be sure to have credible prescription coverage when enrolling under a Medicare supplemental plan to avoid any possibility of a part D late enrollment penalty.[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ disabled_on=”on|on|on” _builder_version=”4.16″ disabled=”on” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_divider color=”#006ef4″ divider_weight=”3px” _builder_version=”4.16″ max_width=”100px” custom_margin=”||0px|” locked=”off” global_colors_info=”{}”][\/et_pb_divider][et_pb_text _builder_version=”4.22.1″ text_font=”Montserrat|300|||||||” text_line_height=”2em” header_font=”||||||||” header_2_font=”||||||||” header_2_font_size=”36px” header_2_line_height=”1.4em” header_2_font_size_tablet=”30px” header_2_font_size_phone=”24px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]Medicare Supplemental plans can help pay the out-of-pocket costs, up to set policy limits. Some plans will cover a small portion should you become ill while outside the country. (very similar to toms) Medicare Supplemental plans provide Medicare beneficiaries with expectations of what their out of pocket costs will be. <\/p>\n
*Please note, if you enroll under Medicare Supplemental plan, be sure to have Part D to cover your prescription expenses or you may be subject to a fine.<\/p>\n
Medigap insurance is designed to cover the gaps in Original Medicare. Medigap insurance is offered by private insurance companies and is available in a wide range of plans. They are all required to offer a set of basic benefits, but some Medigap policies are designed to offer more. Original Medicare pays for a sizable portion of the healthcare services you need, but you are responsible for paying some portion, including copays, deductibles, and coinsurance.[\/et_pb_text][et_pb_button button_text=”Get a Quote” _builder_version=”4.16″ custom_button=”on” button_text_size=”14px” button_text_color=”#ffffff” button_bg_color=”#003bde” button_border_width=”0px” button_border_radius=”4px” button_letter_spacing=”1px” button_font=”Montserrat|||on|||||” background_layout=”dark” custom_margin=”|||” custom_padding=”16px|40px|16px|40px|true|true” button_border_radius_hover=”4px” button_letter_spacing_hover=”1px” button_bg_color_hover=”#0053ef” locked=”off” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”on” button_border_radius__hover=”4px” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”on” button_letter_spacing__hover=”1px” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”on” button_bg_color__hover=”#0053ef” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/colacheinsurance.com\/wp-content\/uploads\/2023\/09\/insurance-31.png” align_tablet=”center” align_phone=”center” align_last_edited=”on|desktop” _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"
The Medicare Program is the federal health insurance program for: People approaching the age 65 or older with certain disabilities People under 65 and have been on disability for at least 24 monthsPart A helps cover inpatient care in hospitals, including critical access hospitals, and skilled nursing facilities (not custodial or long-term care). It also […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-13","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/colacheinsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/13","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/colacheinsurance.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/colacheinsurance.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/colacheinsurance.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/colacheinsurance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=13"}],"version-history":[{"count":49,"href":"https:\/\/colacheinsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/13\/revisions"}],"predecessor-version":[{"id":621,"href":"https:\/\/colacheinsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/13\/revisions\/621"}],"wp:attachment":[{"href":"https:\/\/colacheinsurance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=13"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}