Frequently Asked Questions

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 Medicare is a Federal government-sponsored health program for Americans over age 65 and people under 65 with qualified disabilities. Medicare has four “parts” — A, B, C and D. However, understanding what Medicare covers and does not cover can be complicated and confusing. Luckily, Crumes Insurance is here to help you navigate different Medicare supplement plans. We’ll assess your individual needs and determine what coverage is right for you.

Consultations are always free, and utilizing an agent for your medicare insurance needs does not cost you anything. For Medicare help in the Northern Illinois area, contact us today!

 Original Medicare includes Part A and Part B.

Medicare Part A: Hospital Insurance
Part A helps pay for some, but not all, inpatient hospital care, limited skilled nursing care, hospice care and other specified services.

Medicare Part B: Outpatient Insurance
Part B helps pay for some, but not all, doctors’ fees, outpatient hospital visits and other specified medical services and supplies not covered by Part A.

 Medicare Advantage, also known as Medicare Part C, is offered by private companies as an alternative to Medicare Parts A and B. These plans cover the same expenses as Medicare. Sometimes, they also include more coverage than Medicare, for example hearing or dental benefits. While some Medicare Advantage plans feature zero or low premiums, nearly all include significant co-payments at the time of service. This can make budgeting for healthcare costs more difficult. In addition, your healthcare provider choices are often limited. 

Prescription drug plans, or PDPs, help pay the cost of prescription medications. PDPs are offered by private insurance companies and pick up a portion of your prescription drug expenses. Because the medications covered vary by company and plan, it’s important to review your medications with your representative to be sure you have the most cost-effective plan to fit your needs. We help individuals navigate Medicare supplement plans. It can be very confusing, and we explain in detail what you need to consider when choosing the correct plan for you.

 Medicare Supplement plans, or Medigap plans, are designed to cover specific healthcare costs that are not covered by Traditional Medicare. Medigap premiums depend on the insurer, where you live and the exact plan. If you sign up for one of these plans when you first enroll for Medicare, you can’t be denied and the insurance provider can’t charge you more for pre-existing conditions. Medicare supplement plans can save you a significant amount of money.

  To help determine whether your current plan will meet your future needs, ask yourself the following questions:

• Will my monthly premiums increase?
• Will my prescriptions still be covered?
• What are my predicted annual medical costs going to be?
• Is my doctor still in my plan’s network of providers?
• Do I plan on traveling anywhere this year?
• Does my coverage include vision, dental, and hearing benefits?

If you’re unsure of the answers, it’s wise to meet with a local Medicare expert who can answer these questions and more to assist you in obtaining the plan that’ll best fit your needs. Contact me today to schedule your appointment to get your free, no-obligation Medicare Annual Review with an experienced and knowledgeable Medicare Advisor. Call me now!