What is Medicare?

Medicare is a federal program that provides health insurance for individuals over 65. However, if you are younger and have a disability or suffer from chronic kidney failure, you may also be eligible.

Your benefits

Aside from available licensed agents ready to guide and accompany you throughout the process, we:

  • Professional advice

    We help you compare plans and benefits so you can make the best decision, according to your health needs.

  • Transparent an open communications

    We explain in detail all your total costs, copayments, deductibles and out of pocket limits.

  • Personalized coverage

    We find you a plan that covers all your prescriptions, as well as your preferred doctors and hospitals.

  • Additional benefits

    We look for a plans that offer additional benefits like dental, chiropractic, vision, gym membership and more.

Coverage types

Part A

Usually you get it for free once you have worked 40 quarters in the US, and it includes basic hospital services:

  • Home health service
  • Hospice care
  • Emergency care
  • Hospitalization

Part B

This coverage type is for physician services and carriers a monthly cost, giving you access to:

  • Doctor and Specialist visits
  • Laboratory exams
  • Preventive medicine
  • Medical equipment
  • Outpatient services
  • Mental health services

Part D

These plans offer prescription coverage for a low monthly cost. However, it’s important to consider:

  • To be eligible for part D, you must have part A or B, or join an advantage plan which includes it
  • You may be subject to deductibles and coinsurance
  • Financial assistance is available to those who qualify

Supplement

Offered by private companies, these plans reduce or eliminate out-of-pocket costs (deductibles, coinsurance, copayments) incurred by parts A and B. Some of their features are:

  • No network restrictions on doctors or hospitals
  • The costs and coverage of the plans don’t change
  • Reimbursement for emergencies while traveling overseas

ADVANTAGE

They are health plans offered by private companies and include benefits from Medicare parts A, B and D.

Additional features
  • Coverage of hospitals, doctors and specialists is limited to the local network
  • Free monthly premiums (in most cases)
  • Availability of plans that include prescription medications
  • Depending on the insurer with which you decide to join, you can obtain additional benefits such as dental or vision insurance, among others
  • Plans for special needs