• positive review  I am so thrilled to have this selection over with. The relief is beyond description. Joann listens and talks straight. And with me if I hear or feel something is off I will politely exit the conversation. My questions and feedback were truthfully answered and at no time did I get the feeling that I was being lead, pushed or a sales pitch was happening. It was great service. Thank you and thanks for listening.

    Pilan Sue Butts Avatar Pilan Sue Butts
    April 5, 2019
  • 5 star review  I found Joann on YouTube while researching supplemental insurance. Her videos are so easy to understand Medigap. I have been in contact via email and phone. I highly recommend watching her videos. Thank you Joann for making it easy to navigate this new chapter in my life.

    Tina Hiebert Avatar Tina Hiebert
    September 19, 2018
  • 5 star review  Best decision I made going through Remdigap. I must have watched 40-50 videos from several different carriers and they mostly seemed shady. One I spoke to Joanne and walked through options, receieved some quotes she took care of the rest with absolutely no pressure. Oh yeah, her videos are clear and concise.

    Joe Moynihan Avatar Joe Moynihan
    June 15, 2018
  • 5 star review  My husband and I have been researching Medigap and Part D plans for months. Once we thought we knew what we were doing, we would find out we didn’t! Lol! If we would have started here, with Joann and REMEDIGAP, it would have been painless! So thankful we found her! Watch the videos, ask ANY question, and rest assured you’ll get a competitive rate and ZERO pressure. We got a super fast response which was helpful with my work schedule. Joann is genuine, easy to talk to, has a great sense of humor! What a Godsend. Feels like good old-fashioned customer service to me. Grateful.

    Angele Navares Avatar Angele Navares
    April 30, 2018
  • 5 star review  I came across Remedigap by chance and after reading some of the reviews I knew I had to check them out. I am so glad I did!!! So glad I had to tell anyone who will listen…hence this review. I cannot thank Joann enough for answering my questions at the 11th hour! She has, hands down, provided me with the most consise straightforward answers to my questions. Without so much as a hint of pressure in one direction or a other, so refreshing…so very important in this day and age when healthcare coverage can be dauntingly confusing! I appreciate it so much!

    Elizabeth Tatge Avatar Elizabeth Tatge
    December 7, 2017
  • 5 star review  Phoned them “cold” – based on a local area on aging recommendation and several comments penned by Ms. Quinn on websites. Unlike ALL other agencts, only Joann refrained from asking for my commitment to by a plan through them. At the same time, Joann put some searches into play and has promised to phone me once more with additonal input. It was I who offered to write this testimonial. Withouit purchasing a policy, it is the only way I know to express my gratitude for her professional conduct and genuine concern. Thank you, Joann! PS: You can take the teacher out of the school, but you can’t take the schoolteacher away. Your videos are very clearly laid-out: like a carefully constructed lesson

    Karen P. Katz Avatar Karen P. Katz
    November 7, 2017
  • 5 star review  Highly recommend REMEDIGAP videos if you want to understand the Medicare/medigap maze. Joann was thorough in her responses to my questions and requests for rates. Undoubtedly, I will be contacting this company when it is time for me to purchase a medigap policy.

    Rick Graves Avatar Rick Graves
    September 27, 2017
  • 5 star review  Very professional and courteous service. I will have a long term relationship with this business!

    Jack Broome Avatar Jack Broome
    May 12, 2017
  • 5 star review  This was the best thing I could have done for my self every thing was explained to me so I could make the best choice for me.And when I need help later they will be there for me .

    Diane Langille-stone Avatar Diane Langille-stone
    September 18, 2016
  • 5 star review  I left my Medicare Advantage HMO for a Medigap Plan N — I’m so happy I made the change. Joann was there to help me every step of the way and make the process so easy. What could have been an overwhelming situation ended up being completely stress free, thanks to Joann.

    Lorraine Roche Avatar Lorraine Roche
    August 7, 2016

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Medicare Parts A, B, & D

what is medicare

What is Medicare?

Medicare is the United State’s healthcare system for individuals who are over the age of 65. Medicare is also for people who can qualify with certain disabilities and End-Stage Renal Disease. Medicare insurance provides inpatient and outpatient coverage for most medical services, medication, and durable medical equipment. Let’s cover the basics of Medicare Part A B D:

medicare part a b d

Medicare Parts

Medicare is divided into 3 parts. Let’s look at the basics of these three Medicare parts:

  • Medicare Part A – Your Hospital Insurance
  • Medicare Part B – Your Medical Insurance
  • Medicare Part D – Your Prescription Drug Coverage

Each part of Medicare provides specific types of coverage. Let’s dive a little deeper into these 3 parts of Medicare.

medicare part a

Medicare Part A Benefits

Medicare Part A pays for your room and board when you are in the hospital. In other words, your Part A Medicare coverage is hospital insurance.

Part A helps cover your hospital costs; such as:

  • Semi-private room during a hospital stay
  • Medically necessary home health care
  • Limited skilled nursing facility care
  • Hospice
  • 1st 3 pints of blood

In order for Medicare Part A to cover the cost of your hospital visit, you need to be admitted and stay for two “midnights” at the minimum.

There are times when people who are in great health feel that Part A coverage is enough and they won’t need anything else. Maybe they rarely or never go to the doctor. Be careful if this is your plan. Plan A covers very little of your medical services. In fact most medical services fall under Part B; which can leave you financially vulnerable. Long story short: It’s always a safe bet to get enrolled in Medicare Parts A and B.

Part A Premium

Medicare Part A is usually free for most people if you or your spouse have worked long enough and paid Medicare taxes. Normally you need to pay Social Security and Medicare taxes while working about 40 quarters or 10 years. If you’re not sure if you qualify for premium free Part A, contact Social Security to review your status at 800-772-1213.

Part A Deductible

Your Medicare Part A deductible is not a calendar year deductible; this deductible is charged “per benefit period.” 

The “benefit period” will start on the 1st day you receive services as an inpatient in a hospital. It ends once you have been out of the the hospital and haven’t received skilled care in any other facility for 60 days in a row.

What does this mean? Well, it means that it’s possible to pay more than one Part A deductible in a calendar year.

Your costs under Part A:

  • Deductible per benefit period
  • Days 1-60: No cost for semi private room.
  • Days 61-90: You are responsible for coinsurance/copay each day.
  • Days 91 (and after): You’ll begin to access your lifetime reserve. Your lifetime reserve is an additional 60 days for hospital stays that also includes a daily copay.
medicare part b

Medicare Part B Benefits

Medicare Part B pays for outpatient services that are classified as medically necessary. Medicare Part B provides coverage for medical services like:

  • Surgical Procedures
  • Ambulance rides
  • Visits to the Doctor’s office
  • Extensive dialysis care for people with renal failure
  • Chemotherapy & Radiation
  • Lab tests
  • Diagnostic imaging
  • Preventive care

Several of the above medical procedures can occur in a hospital setting and can be billed under Part B. As a patient, it’s not the easiest thing to keep track of – is it an inpatient procedure or an outpatient?

Part B Premium

Part B is not “premium free” even if you worked and paid Medicare taxes for 10 years (or 40 quarters). Your monthly Part B premium will depend on your adjusted gross income from 2 years ago. People with a very low income amount may qualify for Medicaid. If so, their Medicare Part B premiums may be covered by Medicaid in their resident state.

Part B Deductible

Medicare Part B has an annual deductible and 20% coinsurance with no maximum out of pocket limit. For example, if you need frequent doctor visits or other Part B services (chemotherapy, dialysis, or surgeries) your out-of-pocket costs can get out of hand.

The good news is you can protect yourself from financial and medical worries with a Medicare Supplement.

Medicare supplement insurance plans offer peace of mind because they can cover your out of pocket costs; which includes the Medicare copays, coinsurance, and deductibles.

medicare part d

Medicare Part D Benefits

Medicare Part D is a program that was created to help people lower their prescription drug costs. It is administered and sold through private Medicare insurance companies. You are not required to get Medicare Part D. However you may incur a late enrollment penalty if you don’t buy a Part D plan when eligible.

Medicare Part D Costs

Premiums & Deductibles – Since Medicare Part D is administered by private insurance carriers, the price you’ll pay for coverage will vary significantly. Your Part D monthly premium as well as your deductible can be different from plan to plan. 

Your costs will differ as will the copays, coinsurance, and or deductibles. Not only that, but the medications covered can also differ as well as their cost.

What about Medicare Part C?

We’ve been learning about how Medicare is divided into 3 parts: Medicare Part A B D – but what about Medicare Part C?

Part C is another great example of how Medicare confuses us with their “letters”.  Medicare Part C is a type of private Medicare insurance called Medicare Advantage. This type of insurance is usually an HMO or PPO. It is not part of Original Medicare.

In other words, Medicare Part C and Medicare Advantage are the same thing – just different names. 

Your Medicare Part A B D Helpers!

When you work with REMEDIGAP, you’ll get one on one help with a licensed Medicare expert. We’ll walk you through these 3 parts of Medicare until you feel like an expert too! Call us at the number below for a free Medicare consultation. You can also get a head start with our free Medicare eCourse. If you’d like to compare rates, you can get online Medigap quotes here.

Call (888) 411-1329 for your free consultation today!

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