UNDERSTANDING MEDICARE
THE BEST PLAN FOR YOU
CHOOSING COVERAGE
UNDERSTANDING MEDICARE PLANS
ORIGINAL
MEDICARE
PART A & B
Part A covers:
HOSPITAL INSURANCE
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Inpatient care in a hospital
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Skilled nursing facility care
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Nursing home care (inpatient care)
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Hospice care
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Home health care
Part B covers:
MEDICAL INSURANCE
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Doctor visits
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Preventive care
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Outpatient services
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Medical supplies
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Tests and X-rays
MEDICARE ADVANTAGE
PART C
• Medicare Advantage is an “all in one” alternative to Original Medicare. These “bundled” plans include Part A, Part B, and usually Part D.
• Plans may have lower out-of-pocket costs than Original Medicare.
• In many cases, you’ll need to use doctors and other providers who are in the plan’s network and service area for the lowest costs.
• Most plans offer extra benefits that Original Medicare doesn’t cover—like vision, hearing, dental, and more.
PRESCRIPTION DRUG COVERAGE
PART D
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All plans must cover a wide range of prescription drugs that people with Medicare take, including most drugs in certain protected classes.
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Many Medicare drug plans and Medicare health plans with drug coverage place drugs into different levels called “tiers” on their formularies.
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Drugs in each tier have a different cost. For example, a drug in a lower tier will generally cost you less than a drug in a higher tier.
ABOUT US
Finding the right health insurance plan can be overwhelming. You want to have the confidence that you’re fully covered for medical and health, especially in the event that you become seriously ill or injured.
At Newton Insurance, we understand your concerns. Our licensed insurance sales agents are here to assist you in choosing the best plan that fits your budget, your needs and your life. We consider multiple factors to help you choose a plan that makes you comfortable.
QUESTIONS
TO ASK YOURSELF
Take all of these factors into account when comparing plans and deciding which one is right for you.
• What suits your budget, lower monthly premiums or lower medical costs?
• How many of your family members need health insurance coverage?
• Are you comfortable having access to a limited selection of doctors, or would you prefer to choose your own?
• How often do you visit your doctor?
• What prescription drugs are you taking now?
• Is the pharmacy in your drug plan’s network?
• Do you have any chronic diseases?
• How often do you travel? What will Medicare cover?
CONTACT US
YES! I want more from a Medicare Advantage plan...
Please contact me, I'd like to schedule an appointment and get some help choosing the right plan for me...
I understand that providing my contact information authorizes a licensed sales agent to call me to discuss available Medicare plans in my area.