Medicare Agent Forest Hills, NY

Medicare is the government’s national health insurance program in the United States,it began in 1965 under the Social Security Administration (SSA) and is now administered by the Centers for Medicare and Medicaid Services (CMS). It primarily provides health insurance for Americans aged 65 and older, but also for some younger people with disability status as determined by the SSA, including people with end-stage renal disease and amyotrophic lateral sclerosis (ALS or Lou Gehrig’s disease).

Medicare Forest Hills, NY

Original Medicare can be confusing for many people. Medicare differs from any insurance we’ve had earlier in life. It consists of separate parts. Hospital Part A and Medical Part B make up what we call original Medicare. Medicare Part A covers hospital stays and other inpatient needs like skilled nursing facilities. Part A has a deductible that must be met before Medicare covers your stay. Medicare Part B of Medicare covers outpatient services like doctor visits. Part B has an annual deductible and then has a 20 percent coinsurance. Your local Forest Hills Medicare agent can help you understand all of Medicare’s A, B, C & D’s of Medicare

Understanding Medicare Plans in Forest Hills, NY

Craig Smith has been a long-time local Medicare agent in Forest Hills, NY & his team of agents can fully help you understand your coverage options. They can help you understand the key difference between Medicare Supplement plans, Medicare Advantage plans as well as Part D stand-alone drug plans.

Medicare Advantage Agent in Forest Hills, NY

Medicare Advantage plans are an option to receive all of your Medicare benefits through a private insurance carrier. The plans all have contracts with Medicare and will cover everything that original Medicare covers as good or better. These plans will also cover part D drugs most of the time as well. Medicare Advantage plans typically have networks like PPO, HMO, HMO-POS, or PFFS. There are usually over 20 plans to choose from in Forest Hills and your local Medicare agent can help compare & shop the various plans to make sure you get the plan that fits your needs best.

Medigap Agent in Forest Hills, NY

Medigap plans help cover the gaps in original Medicare coverage. Typically carriers offer 10 different types of Medigap/Medicare Supplement plans which are all named after letters. These plans are standardized which means any carrier that offers Plan N will offer the same exact benefits as any other company offering Plan N. New York is a Guaranteed issue state so our premiums for Medigap plans tend to be the most expensive in the country. Craig Smith Insurance Group can help you shop and compare rates to help you get the best rate.

Medicare Part D

You can opt into Medicare Part D and acquire it either through a Medicare Advantage Plan or a stand-alone Part D Plan. Many of the same private carriers that offer Medicare Advantage and Medigap plans also offer stand-alone Part D Plans. There are usually close to twenty different Part D plans offered in New York state. Each plan follows a Government standard coverage model, but they all have different formularies. So it is very important to make sure you check your options vs the prescriptions you take to be sure you get the right coverage option. This is one of the services provided by Craig Smith Insurance Group.

Benefits of Using a Medicare Agent

Our team of Medicare agents provides expert advice and consultation on all areas of Medicare. Our team specializes in Medicare and consists of several experienced independent agents. This allows our agents to advise on coverage provided by all the major Insurance carriers as well as many of the local ones. We have great working relationships with all of our carrier partners which helps us assist our clients with any customer service issues throughout the year.

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