(by appointment ONLY)
Due to Covid-19, we’ll be conducting phone appointments
an agent will call you
If you don’t have that, you may apply here:
Medicare is a federal health insurance program that pays for a variety of health care expenses.
It’s administered by the Centers for Medicare & Medicaid Services (CMS), a division of the U.S. Department of Health & Human Services (HHS).
Great video explaining the basics of Medicare
If you’re not sure which one to choose, you can view the explanation and definitions below, or you can call us directly or set up an in-office appointment (see below).
We will then personally take you step-by-step through all the plans (from all the available insurance companies) and find the one best suited for you.
Medicare is health insurance for Americans 65 or older (or under 65 years old with specific disabilities) or anyone at any age with End Stage Renal Disease (ESRD) or Lou Gehrig’s Disease.
Most U.S. citizens earn the right to enroll in Medicare by working and paying their taxes for a minimum required period. Even if you didn’t work long enough to be entitled to Medicare benefits, you may still be eligible to enroll, but you might have to pay more.
There are four different parts to the Medicare program. Parts A and B are often referred to as Original Medicare. Medicare Part C (Medicare Advantage) is private health insurance, while Medicare Part D offers coverage for prescription drugs.
Medicare is NOT a part of the Health Insurance Marketplace aka “Obamacare.” If you have Medicare, you do not need to enroll into the Nevada Health Link website, you’re considered covered.
No matter how you get Medicare, whether through Original Medicare or a Medicare Advantage Plan, you’ll still have the same benefits and security you have now. The same applies to your private Medigap plans too.
The Government “Marketplace” (in Nevada the website called Nevada Health Link) won’t affect your Medicare choices or benefits. No matter what Medicare option you have, whether you have Original Medicare or a Medicare Advantage Plan (like an HMO or PPO) or a private insurance Medicare Supplement plan (Medigap), you won’t make any changes with Nevada Health Link.
Each person has unique medical concerns, prescriptions, worries and budget. Our mission is to do a thorough analysis of what Medicare plan works best for you. Whatever your medical concerns are and your budget will allow, we will assist you and help you to enroll into the best plan that meets YOUR concerns and medical needs.
Covers inpatient hospital stays, hospice care, care in a skilled nursing facility and some home health care.
Covers preventative services, outpatient care, medical supplies and certain doctors’ services.
Are health plans offered by private insurance companies contracted with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans and Medicare Medical Savings Account Plans. If you’re enrolled in a Medicare Advantage Plan, most Medicare services are covered through the plan and aren’t paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.
Adds prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service Plans and Medicare Medical Savings Account Plans. These plans are offered by insurance companies and other private companies approved by Medicare. Medicare Advantage Plans may also offer prescription drug coverage that follows the same rules as Medicare Prescription Drug Plans.
With a Medicare Supplement Plan F, a person won’t have “co-pays“ or “deductibles“. They only have their premium to worry about each month, keeping their medical expenses predictable. No surprises with medical expenses like copays or deductibles.
Medicare Supplement (Medigap) is private health insurance. It sits on top of Medicare to supplement it. It fills in the “Gaps” of original Medicare. Medicare Supplement plans have a premium associated with them.
A person can choose their own doctors and hospitals that accept Medicare without having to worry about “Networks” or “Referrals”. They can travel anywhere in the country and be covered by seeing any doctor that accepts Medicare.
They can purchase a Medicare Supplement plan (Medigap) any time of the year. The Medicare Supplement plans don’t have certain times of the year when people enroll. They will, however, after they’ve had their Medicare Part B plan for 6 months, need to go through some “Underwriting” questions to see if they can be approved. The first 6 months they’ve had Medicare Part B, a person cannot be turned down.
Insurance companies can charge different rates for the exact same Medicare Supplement plan, so it makes sense to shop prices. A Medicare Supplement Plan F with insurance company A will have the exact same benefits for a Supplement Plan F with insurance company B. So shop around and get the best price.
Medicare Supplement plans generally require a separately purchased prescription drug plan. This is important. You’ll pay a penalty if you go without a qualified drug plan.
Please Note: It’s important to understand that a person cannot have a Medicare Advantage plan and a Medicare Supplement plan at the same time.
Many Medicare Advantage plans have “Part D” which is prescription coverage built into the plan. A persons prescriptions are covered with these type of plans called Medicare Advantage Prescription Drug (MAPD).
Some Medicare Advantage plans have a $0 premium, some have a small premium. Medicare beneficiaries could still have out of pocket expenses like “co-pays“, “deductibles“ and may have other costs. Some MAPD plans are HMO while others are PPO. They generally will have a “Network” of doctors and hospitals.
If someone has Medicare Part A and Part B, they cannot be turned down (unless they have End Stage Renal Disease) for a Medicare Advantage plan. They must live inside the insurance plan’s “service area”. Many plans will require their members to select a primary doctor that is charged with overseeing care for that individual.
If a person enrolls into a MAPD plan, their claims are paid by a private insurance company instead of original Medicare. They’ll use their private insurance company’s health card, not their Medicare card when they see their doctors.
Each year the health insurance company offering the Medicare Advantage plan can renew their plans, or can terminate their plans. It is a year to year contract. Medicare Advantage (MA) is a type of health insurance offered by private insurance companies that have been approved by Medicare and are referred to as “Medicare Part C”. These plans are required to offer the same or better benefits as Medicare, but can offer additional benefits too.
Please Note: It’s important to understand that a person cannot have a Medicare Advantage plan and a Medicare Supplement plan at the same time.
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Authorized Agent for: Nevada Health Link, Anthem Blue Cross & Blue Shield, Sierra Health & Life, Health Plan of Nevada, Friday Health Plans, Select Health, Hometown Health, Ambetter
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