Services
Medicare Supplements
Solutions to Gaps in Medicare Coverage - Medicare Supplements or Medi-Gap
Medicare Supplements (Med-igap)
Health insurance policy sold by private insurance companies to fill the gaps in Original Medicare. These plans allow you to use any doctor or facility that accepts Medicare. Shopping for Medicare Supplements can now be based on premium cost, due to the standardization of Plans A-N. Companies may charge as much as $1,000 more for the same Plan, call us so that we can get you the best plan for the best price.
January 1, 2020, Plans C and F will only be available for purchase for those who went onto Medicare before 1/1/2020
Find more information at Compare Medicare Policies
Plan C & F are no longer available after 12/31/2019, however, if you have a plan before then you are grandfathered in.
Prescription Drug Plans (Part D) Must be added with a Medicare Supplement or Medi-Gap
Insurance Companies offer prescription drug coverage for everyone with Medicare. Get Medicare drug coverage through a private Insurance Company or an Employer Sponsored Plan. Each plan can vary in cost and drug coverage. It is very important to compare plans every year based on the prescription drugs you take.
SIA of Maine provides a free benefit review. We work to get you the best plan for your needs.
Understanding Medicare with SIA of Maine: A Comprehensive Guide
Navigating Medicare can be a daunting task, but with Senior Insurance Advocates (SIA) of Maine, understanding and making the most out of your Medicare options has never been easier. SIA of Maine offers an extensive range of services designed to demystify Medicare and tailor solutions to individual needs. Let’s dive deeper into the various aspects of Medicare and how SIA of Maine can guide you through each.
Medicare 101: Laying the Foundation
Medicare 101 is your starting point in the journey through Medicare services. SIA of Maine provides essential education on the basics of Medicare, ensuring you understand the different parts and what they cover. This foundational knowledge is crucial for making informed decisions about your healthcare as you age.
Medicare Part A: Hospital Insurance
Medicare Part A, often referred to as hospital insurance, covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. SIA of Maine helps you understand the eligibility criteria, coverage details, and any associated costs, ensuring you can navigate Part A effectively.
Medicare Part B: Medical Insurance
Medicare Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services. With SIA of Maine, you’ll receive guidance on enrollment periods, the coverage provided under Part B, and how to manage the costs, including monthly premiums and deductibles.
Medicare Part C: Medicare Advantage Plans
Medicare Part C, or Medicare Advantage, offers an alternative way to receive your Medicare benefits. These plans are offered by private companies approved by Medicare and bundle Medicare Part A and Part B, and often Part D. SIA of Maine helps you compare different Medicare Advantage plans, including HMOs, PPOs, PFFS plans, and SNPs, to find one that aligns with your healthcare needs and preferences.
HMO (Health Maintenance Organization) plans require you to use healthcare providers within the plan’s network and usually need a referral to see a specialist. SIA of Maine can help you understand the network’s scope and the referral process.
PPO (Preferred Provider Organization) plans offer more flexibility, allowing you to see providers outside the network, often at a higher cost. SIA of Maine’s expertise can assist in navigating these options and understanding the cost implications.
PFFS (Private Fee-for-Service) plans allow you to see any Medicare-approved provider who accepts the plan’s payment terms. SIA of Maine can guide you in understanding how these plans work and in finding providers who accept these terms.
SNP (Special Needs Plans) are tailored for individuals with specific diseases or characteristics. SIA of Maine provides specialized assistance in determining eligibility for these plans and understanding their benefits.
Medicare Part D: Prescription Drug Coverage
Medicare Part D adds prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans. SIA of Maine helps you understand the importance of Part D, how to determine the best Part D plan based on your medication needs, and how to enroll to avoid late enrollment penalties.
Why Choose SIA of Maine for Your Medicare Needs?
SIA of Maine stands out for its personalized approach, ensuring that you’re not just enrolled in Medicare but that your Medicare coverage meticulously aligns with your health needs and lifestyle. Their team of experts provides one-on-one consultations, detailed comparisons of plans, and ongoing support as your healthcare needs evolve.
With SIA of Maine, you’re equipped with the knowledge and resources to make confident decisions about your Medicare coverage. Their commitment to clarity, integrity, and personalized care makes navigating Medicare not just simpler but also more aligned with your individual health journey. Whether you’re new to Medicare or looking to reassess your current plans, SIA of Maine is your trusted partner every step of the way.
Whether you’re exploring insurance options, seeking eldercare solutions, or addressing concerns like elder abuse, SIA of Maine is ready to assist you every step of the way, ensuring your golden years are supported by a foundation of care, respect, and informed choice.