• Skip to main content
  • Skip to primary sidebar
  • Skip to footer

Citywide Insurance and Real Estate

Serving the Northern Panhandle of West Virginia

  • Real Estate
    • Neighborhoods
    • Buyers
    • Sellers
    • Property Search
  • Insurance
    • Products
      • Auto Insurance
      • Business Insurance
      • Dental Insurance
        • Ameritas
        • Delta Dental
      • Health Insurance
        • Marketplace
        • Motorist Life Insurance
        • Medicare Supplements
        • Short-Term Medical
        • Medicare Part D
        • Medicare Advantage
          • Enroll Today
      • Howeowner’s Insurance
      • Flood Insurance
      • Worker’s Compensation
    • Providers
      • Allstate
      • Ameritas
      • Anthem
      • The Health Plan
      • Westfield
  • About Us
    • Our History
    • Blog
    • Team
    • Mission
    • Leave Us A Review !
    • Community Involvement
    • Career Opportunities
    • Privacy Statement
  • Resource Center
    • External Resources
      • Medicare
      • WV Flood Tool
      • Kelly Blue Book
      • FEMA
      • WV Insurance
      • Healthcare.gov
    • Claims
    • Make a Payment
  • Get A Quote
  • Contact Us
  • (888) 548-4467

Medicare…Confused Much??

You are here: Home / General / Medicare…Confused Much??

Medicare…Confused Much??

Posted on October 13, 2020 Leave a Comment

When I think of the word Medicare, all I can think of is what is it all about? 

Who can get it? 

How old do you have to be to get it?  

Which plan is the best for me? 

How expensive is it?

When do I have to apply by?  

I have so many questions my head spins. If I try to read about it online, my head spins a little more. The best way to really understand it is to have a knowledgeable person explain it to me in simple, layman terms…. like the team of Citywide Insurance will do. 

They will sit down with you and go over everything you possibly will need to know.  They answer all your questions and will help you choose the best plan for your needs and your budget.   

So, let’s discuss exactly what Medicare is.

Medicare is the federal health program for people who are 65 years old or older, certain younger people with disabilities, and people with end-stage renal disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD). For now,  let’s focus only on the 65+.  

There are different parts of Medicare that 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)

With Medicare, you have options in how you get your coverage. Once you enroll, you’ll need to decide how you’ll get your Medicare coverage. There are 2 main ways: Original Medicare and Medicare Advantage.  There is also Medicare Prescription Drug coverage.

There is also Medicare Supplemental insurance coverage which helps pay some of your share of the healthcare costs that are not covered by the Medicare Plan, such as deductibles and coinsurance or copayment amounts. Some supplemental health insurance plans also cover certain hospital or medical services not covered by Medicare.

While Medicare Parts A and B cover some health care costs, they won’t pay for everything. Medicare supplement insurance plans (also called “Medigap”) from private insurers can complement your Medicare coverage. These plans help cover some of your out-of-pocket expenses not paid by Medicare.

Standardized Medicare supplement insurance plan (Medigap) benefits are set by the federal government. That means the basic benefit structure for each plan is the same, no matter which insurance company is selling it to you.

Read more about Medicare Supplements.

Or, if you are like me, just give Doug and his team a call.  And remember, Medicare Open Enrollment comes one time a year and is going on now and ending on December 7, 2020.

The Citywide Insurance team…….no head spinning, just knowledgeable, easy to understand facts. 

General

About CityWide

Doug Clatterbuck
Doug Clatterbuck
President/Broker

Citywide Insurance and Financial Services, Inc, is an independent insurance agency representing multiple carriers. Our team shares it’s offices with Citywide Realty in an effort to make your insurance and realty needs more convenient for your life.

Get a Quote Today

Reader Interactions

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Primary Sidebar

Get a Quote

Starting the Process is Easy
Get a quote from CityWide Insurance today to see how much you can save.

Quote Now

News and Updates

Memorial Day

May 1, 2022

Don’t Play the Fool with Life Insurance

April 1, 2022

Camping, Motorcycles, and ATVs

March 1, 2022

Leave Us a Review

We would love to hear from you!
Let us know how we have been servicing you.

Review on Google

Footer

Contact Us

2066 National Road
Wheeling WV 26003
(888) 548-4467
See All Locations

About Us

Since 1995, Citywide Insurance has been providing comprehensive insurance for all of our clients. We are a full service agency that delivers diverse products and services to the public. We offer quality service to guarantee customer satisfaction.
Learn More

Connect With Us

Get the latest news and information about CityWide Insurance and Real Estate by connecting on social.

  • Facebook

© 2022 All Rights Reserved. | Citywide Insurance | Sitemap | Privacy | Employee Email