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 Benefit 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

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Based on 76 reviews
Megan Lyons
Megan Lyons
2024-05-02
I can’t say enough good things about Mike and our experience with him. Mike was extremely helpful, informative and patient with me and my mom when setting her up with Medicare and a supplemental plan. We had a lot of questions and Mike helped to make the process seamless and less stressful. Thank you so much for everything!!
Vicie Richardson
Vicie Richardson
2024-04-20
WOW!!! We are thrilled we found Mike. He was outstanding in helping us navigate through all confusion of the Medicare process. A tremendous load was lifted off our shoulders! If you are struggling, reach out. You will be thrilled you did.
Karen F
Karen F
2024-04-10
Moving to Texas from out of state and enrolling in Medicare for the first time was very overwhelming to say the least! I found Mike Bauer from his YouTube videos explaining Medicare in terms I could understand. We met with Mike and were immediately put at ease with his extreme knowledge of Medicare, whether to go with Medigap or Advantage plans and explaining the different plans that are offered in Texas. He is very responsive by phone and email. We highly recommend Mike to help you with your Medicare Coverage options.
Cynthia Sawyer
Cynthia Sawyer
2024-04-04
I highly recommend Mike for any Medicare questions or concerns. He is extremely knowledgeable on all the Medicare supplement plans offered. We worked together to find the right plans that suited me and he went thru the entire application and signup process while in his office. If you need help choosing your plan, please contact him. You will not be disappointed!
SUSAN
SUSAN
2024-03-21
Mike Bauer helped me to secure a Medicare Supplement and RX plan through Humana. He was very patient and professional during the process. It was a bit time consuming, but he had my best interest at heart, and we work through many different avenues for coverage. I would recommend Mike to anyone needing additional insurance.
Karen Johnson
Karen Johnson
2024-03-20
Knowledgeable and so very helpful! I highly recommend Mike!
Billy Matlock
Billy Matlock
2024-03-20
So glad I turned to Mike Bauer!!!! He was referred to me by a friend of mine and though I thought I was on the right track he was so helpful navigating and answering all my questions. Because of our work together I believe we reached a successful choice on my Medicare Advantage plan. Thanks Mike!!!! You rock!
Pat Gray
Pat Gray
2024-03-06
Mike was a lot of help when we were setting up our medigap policy. He is very patient and knowledgeable about the policies he has available. I have no problem recommending him to help people through a very confusing line of products. Pat Gray
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.