Medicare Insurance

Medicare is a federal health insurance program that serves individuals aged 65 and older, as well as younger individuals with qualifying disabilities or specific health conditions. The program is divided into four parts: Part A covers hospital care, Part B focuses on outpatient and medical services, Part C offers an alternative through Medicare Advantage plans, and Part D provides prescription drug coverage. This framework ensures comprehensive care, from preventive services to inpatient treatments.

Choosing the right Medicare coverage can be pivotal in managing healthcare expenses. Medicare Part A is typically premium-free for individuals who have worked and paid Medicare taxes for a certain period. Part B, which covers services such as doctor visits and preventive care, requires a monthly premium. For those seeking additional benefits like vision, dental, or hearing coverage, Medicare Advantage plans (Part C) are an excellent option. Meanwhile, Part D helps reduce the costs of necessary prescription medications.

TMB Insurance Services is committed to simplifying the Medicare process. Our knowledgeable agents help you explore your options, explaining the benefits, premiums, and out-of-pocket costs associated with each plan. Whether you’re enrolling for the first time or evaluating your current coverage, we provide personalized assistance to ensure your healthcare needs are met.

Medicare is an evolving program, with annual updates to coverage and costs. By partnering with TMB Insurance Services, you can stay informed and confident in your decisions. Reach out today to schedule a consultation and explore how Medicare can work for you.