In

simple terms, Original Medicare is comprised of two parts, Part A (Hospital Insurance) and Part B (Medical Insurance). Under those broad umbrella terms, each has limitations, exclusions and associated costs.

While Original Medicare covers many essential healthcare services, it’s important to note that it doesn’t cover everything. For example, it doesn’t cover most dental, vision, hearing, or long-term care services. Additionally, there are deductibles, coinsurance, and copayments that you may need to pay, and it doesn’t cover prescription drugs (for that, you would need a Part D plan).

A vast majority of people also choose to get additional healthcare coverage through a Medigap, also referred to as a Supplement policy, (also known as Plans, such as Plan G or Plan N) or a Medicare Advantage plan (also known as Part C).

There are also additional policies that can offer additional protection. These include a Cancer plan (these help cover expenses related to cancer treatment), a Hospital Indemnity plan (these help cover out-of-pocket expenses if you are hospitalized) and short-term recovery plans which can help with care at home during a recovery period.

Navigating options and costs, being informed about potential penalties, and understanding your window of enrollment can be a bit overwhelming. Our services are never a cost to you, so please don’t hesitate to call our office and schedule an appointment (303) 887-8584. You can also scan the QR code (in my adjacent ad) and attend one of our in-person or virtual seminars to learn more.

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We do not offer every plan available in your area. Currently we represent 10 organizations which offer 106 products in your area.Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program(SHIP) to get information on all of your options.