In a darkened Medicare world full of confusion and misinformation The Independent Life is a ray of sunshine. We specialize in making Medicare easy to understand.
Don’t miss out on extra savings and benefits. Our Medicare specialists can find plans that give you more and costs you less.
Medicare is a government-sponsored health insurance program for people aged 65 and above. People under the age of 65 who have certain medical conditions or disabilities may be eligible for Medicare coverage. In addition to seeing a physician, Medicare programs can provide hospital care, prescription drugs, and other services.
Generally, a Medicare Advantage health plan is offered by a private insurance company that contracts with Medicare to provide benefits to people who enroll in the plan.
The different parts of Medicare help cover specific services:
- Medicare Part A (Hospital Insurance)
Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
- Medicare Part B (Medical Insurance)
Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services.
- Medicare Part D (prescription drug coverage)
Helps cover the cost of prescription drugs (including many recommended shots or vaccines).
Medicare health plans include:
- Medicare Advantage Plans
- Other Medicare health plans
- Medicare Cost Plans
- Demonstrations/Pilot Programs
- Programs of All-inclusive Care for the Elderly (PACE)
- Medication Therapy Management (MTM) programs for complex health needs
Choosing the right Medicare plan is a critical decision. We provide assistance reviewing your choices and selecting the plan that matches your budget, health care requirements, and lifestyle. We help you make sure the plan includes the advantages you require, your doctors, and your prescription drugs.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.