Medicare Insurance Services

Medicare is the federal health insurance program for:

  • People 65 or older
  • Certain people under 65 with disabilities
  • Those with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD

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) Part D helps cover the cost of prescription drugs (including many recommended shots or vaccines).

How do I get Medicare parts A & B?

Some people get Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) automatically and other people have to sign up for it. In most cases, it depends on whether you’re getting Social Security benefits.



You usually don’t pay a monthly premium for Medicare Part A (Hospital Insurance) coverage if you or your spouse paid Medicare taxes for a certain amount of time while working.

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Some people automatically get Medicare Part B (Medical Insurance) and some need to sign up for Part B. If you fail to sign up for Part B when first eligible, you may have to pay a late enrollment penalty. In 2021, the standard Part B premium is $148.50. Usually, you’ll pay the normal Part B premium rate. If your adjusted gross income (AGI) on your IRS tax return from 2 years prior is above a designated amount, you will pay the normal premium plus an Income Related Monthly Adjustment Amount (IRMAA) – an extra charge – is added to your Part B costs | Medicare costs.

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All plans are required to cover a good sized range of prescription drugs that people with Medicare will need, including most drugs categorized in protected classes. Information about a plan’s list of covered drugs or “formulary”, varies by health plan. Many Medicare drug plans and health plans with drug coverage, place drugs into different “tiers” within their formularies. Drugs within different tiers have a different cost. For example, a drug in a lower tier will generally cost you less than a drug in a higher tier.

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Health Care

Medicare Advantage Plans are another name used for your Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by Medicare-approved private insurers that follow Medicare regulations. Most Medicare Advantage Plans include drug coverage (Part D).

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Lower Prescription Costs – Extra Help

If you meet lower income and resource levels, you can qualify for Extra Help. This program helps cover your Medicare drug costs, such as plan premiums, deductibles, and the costs of when prescriptions are filled, called copays or coinsurance.

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Medicare Supplements

Medigap is Medicare Supplement Insurance that fills in the “gaps” in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies.

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We proudly offer medicare insurance services in the greater Sacramento area, Roseville, Rocklin, Granite bay and surrounding areas.  If you have any questions at all, please contact us here or call (916) 396-4111.