Medicare Overview

Mike explains in this short video the parts of Medicare.

Mike explains your two option for covering the 20% that Medicare doesn’t cover.

Medicare is a government healthcare program in the United States that provides essential coverage for seniors and some individuals with disabilities. It has four main parts: A, B, C, and D, each serving a unique purpose.

Medicare Part A is often called “hospital insurance.” It covers inpatient care in hospitals, skilled nursing facilities, and some home health care services. If you’ve paid into Medicare through payroll taxes, you typically don’t have to pay a premium for Part A.
Medicare Part B is known as “medical insurance.” It covers doctor visits, outpatient care, preventive services, and some medical equipment. There is a monthly premium for Part B, but it’s essential for comprehensive healthcare coverage.
Medicare Part C is is also known as Medicare Advantage. It’s an alternative to Original Medicare (Parts A and B) and is offered by private insurance companies. Part C plans often include prescription drug coverage (Part D) and additional benefits like dental and vision.
Medicare Part D is the prescription drug coverage part of Medicare. It helps pay for the cost of prescription medications and is offered through private insurance companies. It’s vital for anyone who needs prescription drugs to manage their health.

In a nutshell, Medicare A covers hospital care, B covers medical services, C is an alternative to A and B offered by private insurers, and D helps with prescription drug costs. These parts work together to provide comprehensive healthcare options for eligible individuals.

Medicare Advantage and Medigap

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Medicare Advantage is like an all-in-one package deal offered by private insurance companies. It combines your hospital and medical coverage into a single plan. These plans often throw in extras like drug coverage, dental, and eye care. But here’s the catch: you have to use the doctors and hospitals they approve, and sometimes you pay extra for each doctor visit or service. It’s a good choice if you want everything in one place and don’t mind sticking to their list of providers.
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Medigap , on the other hand, is like a sidekick to your regular Medicare. With regular Medicare, you’re responsible for some costs, like deductibles and co-payments. Medigap plans, sold by private insurers, step in to pay these extra expenses. The cool thing is, you can go to any doctor who accepts Medicare, no need to stick to a network. You pay a monthly fee for Medigap, but it helps cover those surprise medical bills. So, if you want more freedom in choosing your doctors and less worry about extra costs, Medigap might be your jam.
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In a nutshell, Medicare Advantage is like a bundled deal with perks, but you play by their rules. Medigap is your trusty sidekick to regular Medicare, giving you more freedom to choose your healthcare heroes and fewer surprises in your medical bills. Your choice depends on what suits your needs and how much freedom you want in your healthcare.

What Our Customers Say

Excellent
Based on 69 reviews
Paula Grote
Paula Grote
2024-01-19
Mike Bauer is amazing. He always does what's best for his clients even if it means he doesn't profit from the transaction. I will continue to use Mike and highly recommend him to anyone!
Peggy Born
Peggy Born
2023-11-18
This month was my second time working with Mike on Medicare decisions. He was very helpful and knowledgeable - and helped me understand and make informed decisions. I have recommended him to several friends and will continue to do so. He is very patient and kind.
Merle Moon
Merle Moon
2023-11-17
Mike Bauer has provided expert service to my wife and I in navigating our entry into the world of Medicare. He has been a key resource in helping us choose the best options for our needs and provided hands on guidance in the signup process. True professional!!
Grama Judi
Grama Judi
2023-11-13
Excellent follow up and service.
William Herrington
William Herrington
2023-11-08
Mike is definitely a great resource to use when you have so many options to choose from on Medicare drug plans.
Jojo Smullen
Jojo Smullen
2023-11-02
Mike is Fantastic! Highly recommend!!!
Roger
Roger
2023-11-02
I met with Mike Bauer at Houston Independent Insurance for not only his knowledge in Medicare insurance but also because Mike also has a great personality! I trust Mikes insight and suggestions. If Mike finds something that could benefit me and my needs he contacts me and let’s me decide if I want to make any changes. Thank you Mike, I appreciate what you do and I respect how you do it! Roger Cox
Charlie Morris
Charlie Morris
2023-10-19
Very helpful with a friendly atmosphere!
Cynthia Morris
Cynthia Morris
2023-10-17
Mike Bauer has been able to save my husband & myself money every time we have had to reevaluate our policies Thank you Mike
Ed Emig
Ed Emig
2023-10-14
Mike guided my wife and I through the maze of options we needed to consider in starting Medicare Part B and associated supplemental plans. I don't think I'll ever understand this as well as Mike does, but he explained things carefully and thoroughly so I am confident I was able to make informed decisions that are the right ones for my family. I highly recommend him for anyone who has to deal with Medicare decisions.