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Learn About Medicare

We make it easy for you to learn about your options, choose what’s best for you, and enroll today.

Medicare Part A is Hospital Insurance

  • Part A covers inpatient hospital care, skilled nursing facility care and nursing home, hospice, and home health care.
  • You are entitled to Part A if you are a US citizen and you or your spouse have worked 40 or more quarters.
  • Part A has a $1,340 deductible for each benefit period. After the deductible is met, you are still responsible for 20% of the cost.
  • If your only Hospital insurance coverage is with original Medicare, you may be inadequately insured and could be responsible for a very large medical bill.

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Medicare Part B is Medical Insurance

  • Part B covers outpatient care, such as services performed by doctors and other healthcare providers, home health care, lab work, physical therapy, durable medical equipment, etc.
  • Part B has a deductible of $183 per year. After the deductible is met, Part B covers you at 80%. You are responsible for the remaining 20%.
  • If your Medical insurance coverage is with original Medicare, you may be inadequately insured and could be responsible for a very large medical bill.

Medicare Part C is also known as the Medicare Advantage Program

  • It includes all benefits and services covered under Part A and Part B as well as a Part D prescription drug plan.
  • These plans reduce exposure to the deductibles and 20% responsibility of Medicare Parts A and B.
  • Fitness center membership in most plans.
  • Worldwide emergency and urgent care.
  • May include dental and vision.
  • Aspire65 offers Medicare Advantage plans with low or no monthly premiums.

Medicare Part D covers prescription drugs

  • Part D plans are provided by private insurance companies.
  • The Federal Government requires you to enroll in Part D at the time you enroll in Parts A and B. Failure to do so could result in a late enrollment penalty.
  • Aspire65 offers affordable Part D prescription drug plans.

Medicare Supplement Insurance (medigap) Plans

  • Medicare Supplements are provided by insurance companies and pay for most coinsurance, deductibles, and copayments not paid by original Medicare.
  • With a Medicare Supplement, doctors in the USA that accept Medicare are included in the plan.
  • Medicare Supplement plans do not include Part D prescription drug coverage. Therefore, if you choose to enroll in a Medicare Supplement Plan, you will also need to enroll in a separate, stand-alone prescription drug plan.
  • All Medicare Supplement Plans have a monthly premium payment.

Choose Your Medicare Plan

The Basics of Medicare

  • Medicare Part A is hospital insurance. Medicare Part B is medical insurance. Some people only have original Medicare and they are UNDERINSURED! If you only have Medicare Parts A and B, then you are responsible for about 20% of your medical bills. And there is no maximum! If you have a million dollar medical bill, you could be responsible for $200,000. To remove this risk, you can purchase a Medicare Supplement or enroll in a Medicare Advantage plan.

Medicare Supplement is right for you if…

  • You want fixed, known annual costs.
  • You want to eliminate co-pays and potential for high costs.
  • You want to be able to go to any provider that accepts Medicare.

Medicare Advantage is right for you if…

  • You would like to save money with $0 or low monthly premiums.
  • You can’t afford a Medical Supplement or original Medicare only.
  • You use the VA but would appreciate additional options.

Enroll Today to Start Your Medicare Journey!

Call (888) 819-2158 to speak with a licensed agent.