Medicare Health Insurance
Understand Medicare's basics? Call us today for more information (520) 800-3977. (608) 949-0239
- Are you turning 65 soon or older?
- Are you younger than 65 with a disability?
- Are you diagnosed with End-Stage Renal Disease (ESRD), or ALS (also called Lou Gehrig’s disease)?
- Call today and get enrolled! (520) 800-3977, Text: (608) 949-0239
- Email: info@akwaabainsurancegroup.com for more information
More About Medicare
Original Medicare Part A: covers hospital stay and inpatient care
Original Medicare Part A covers inpatient hospital care and services related to that care. It is offered by the federal government and pays for your hospital stay, including medications, tests, operations, meals, and necessary follow-up care like physical therapy or home health services.
Part A also covers hospice care for those with terminal illnesses. Most people don't pay a monthly premium for Part A, but there is a deductible and some cost sharing when admitted to the hospital.
Original Medicare Part B: covers doctor visits and outpatient care
Original Medicare Part B covers a wide range of medical services to help you stay healthy. It pays for doctor visits, outpatient care, lab tests, some at-home nursing care, preventive care like checkups and screenings, flu shots, medical equipment, and emergency room visits.
Part B also covers most doctor services if you're hospitalized. The federal government provides Part B coverage, but you must pay a monthly premium, an annual deductible, and some cost sharing for medical services.
Medicare Part C: (Part A + Part B) Medicare Advantage (MA) Plan
Medicare Part C: An All-in-One option you can purchase to replace Part A and Part B.
Medicare Part C, also called Medicare Advantage, combines the coverage of Part A and Part B - Original Medicare - and adds extra benefits.
Many plans include prescription drug coverage as well as dental and vision care. Some plans have no copays for most labs or tests. Others offer additional perks like gym memberships and transportation.
Most Medicare Advantage plans have $0 premiums, though you still pay your Part B premium.
There are typically copays for treatment. Medicare Advantage plans cap your annual out-of-pocket costs - once you hit the plan's maximum, you won't pay any more Medicare costs for the rest of the year. Maximums vary by plan.
Medicare Advantage plans function as all-in-one alternatives to Original Medicare. Since they replace Parts A and B, you can't pair Medicare Advantage with Medigap supplemental insurance.
Medicare Part D: Prescription Drug Plan (PDP)
Medicare Part D, also called the Prescription Drug Plan (PDP), helps cover the cost of prescription medications. Adding Part D to Original Medicare paired with a Medicare Supplement plan can provide great coverage.
However, Part D is likely unnecessary if you enroll in Medicare Advantage since most Medicare Advantage plans include prescription coverage.
The specific medications covered depend on your chosen Part D or Medicare Advantage plan. You can purchase Part D through private insurers.
With Part D, you pay a monthly premium, an annual deductible, and either coinsurance (a percentage of the medication cost) or copays (a flat fee) for prescriptions.
The level of prescription coverage depends on which Part D or Medicare Advantage plan you select.
PDP is often purchased separately to supplement Part A and Part B
Medicare Supplement Insurance, also called Medigap, helps fill gaps in Original Medicare coverage by paying for out-of-pocket costs like copays, deductibles, and coinsurance.
Medicare supplemental insurance - Unlike Original Medicare, it provides predictable monthly premiums that let you budget ahead. Medigap plans are guaranteed renewable as long as you pay your premiums on time and can't be cancelled. To expand your coverage, you can add stand-alone Prescription Drug and Dental plans. Medigap is sold by private insurance companies and requires a monthly premium payment. Depending on the plan, you may have some copays. Plan F, Plan G, and Plan N - to help cover expenses not covered by traditional Medicare.
**Plan F provides the most comprehensive coverage, paying 100% of copayments, coinsurance, deductibles, excess charges, and foreign travel emergency so there are no gaps.
Plan G is similar but does not cover the Part B deductible, so beneficiaries pay that out of pocket.
*Plan N is the least comprehensive, requiring copays for some services and the Part B deductible. However, it has lower monthly premiums than Plans F and G. When enrolling, beneficiaries must weigh the tradeoffs and decide if a supplemental plan is right for their health needs, budget, and desired level of coverage beyond traditional Medicare. Enroll today!
The Affordable Care Act (ACA)
Need A Plan? Call us today (520) 800-3977. For eligibility and enrollment call (608) 949-0239
- Click Here! Easily find an affordable health plans OR
- Enroll through HealthCare.gov and find a plan.
- Call today (520) 800-3977, Cell: (608) 949-0239
- Email: info@akwaabainsurancegroup.com for more information
Healthcare Eligibility & Enrollment Questions?
Call 520-800-3977 / 608-949-0239
Affordable health plans are insurance options designed to provide medical coverage at a lower cost. With rising healthcare expenses, affordable plans help individuals and families access needed care without breaking the bank. See our Dental, Vision, & Hearing Plans. Learn More
More About ACA (Medicaid)
Need A Plan? Call us today (520) 800-3977. For eligibility and enrollment call (608) 949-0239
Medicaid provides critical health coverage for millions of low-income seniors who cannot afford private insurance or whose income is too high to qualify for Medicare. Medicaid can be a lifeline. It covers services like hospital care, doctor visits, prescription drugs, nursing home care, and home health services. This allows low-income seniors to access the medical treatment they need. Without Medicaid, many seniors would be unable to pay for costly health services and long-term care.
Medicaid eligibility for seniors is based on both income and asset limits, which vary by state. In general, seniors must have limited income and assets to qualify. Medicaid also has special rules for married couples, so that one spouse can qualify for Medicaid coverage of nursing home care while the other spouse keeps income and assets. Seniors who spend down their assets on medical bills can also become eligible for Medicaid. While the Medicaid application process can be complex for seniors, many states are working to simplify enrollment.
With seniors living longer and the high costs of medical care, Medicaid provides an essential safety net.
Medicaid helps seniors get the care they need with dignity. It is critical that policymakers preserve and strengthen Medicaid coverage for vulnerable senior citizens. Without it, many would face impoverishment, forgo treatment, or be unable to afford long-term care. Medicaid for seniors is a lifeline that must be protected.
- .Click Here! Easily find an affordable health plans
- Enroll in Medicaid through HealthCare.gov
- Call today and get enrolled! (520) 800-3977, Cell: (608) 949-0239
- Email: finfo@akwaabainsurancegroup.comfor more information
Cont. More About The ACA (Medicaid/CHIP)
Need A Plan? Call us today (520) 800-3977. For eligibility and enrollment call (608) 949-0239
The Children's Health Insurance Program (CHIP) provides health coverage to children and pregnant women in low-income families who do not qualify for Medicaid but cannot afford private health insurance. CHIP is jointly funded by state governments and the federal government, and is administered by the states. It was designed to cover uninsured children in families with incomes too high to qualify for Medicaid but too low to afford private insurance.
CHIP provides basic health insurance coverage such as routine check-ups, immunizations, doctor visits, prescriptions, dental and vision care. Eligibility is based on family income, with states setting thresholds from 133% to over 300% of the federal poverty level. CHIP has helped to significantly reduce the rate of uninsured children since its enactment in 1997, providing coverage for nearly 10 million children per year. It enjoys strong bipartisan support due to its success in improving children's health outcomes.
CHIP exemplifies the value and effectiveness of public-private partnerships in healthcare, blending federal standards with state flexibility and innovation. Periodic funding renewals, program reauthorizations, and state expansions have bolstered CHIP's reach and impact over the past two decades.
- Click Here! Easily find an affordable health plans OR
- Enroll through HealthCare.gov and find a plan.
- APPLY NOW through the Health Insurance Marketplace or directly with your state Medicaid agency.
- For immediate assistance call direct: (520) 800-3799. Cellular: (608) 949-0239 or
- email: info@akwaabainsurancegroup.com
Dental Insurance
Our dental insurance plans offer comprehensive coverage to keep your smile healthy and bright. With a range of plan options, you can find the perfect fit for your individual or family's needs. From basic preventive care like cleanings and exams to more extensive treatments like fillings, crowns, orthodontics, etc.
Vision Insurance
Our vision plans are an essential part of our comprehensive healthcare coverage, designed to ensure that our members can maintain optimal eye health and clear vision throughout their lives. These plans provide a wide range of vision-related benefits.