Wade Emerson and his team have provided peace of mind to seniors in Longview, TX since 1984. Often, Medicare is insufficient to cover all of a person’s healthcare needs. Wade and his team are here to help.
Many people are surprised to learn that Medicare doesn’t cover all of their healthcare costs. Your deductible, copay, and coinsurance are known as “gaps” which Medicare will not cover.
If you have Medicare Part A, for example, and you are hospitalized, Medicare only covers up to 60 days of hospitalization. After 60 days, you owe a copay if you have to stay longer than that. And after 150 days in the hospital, your Medicare coverage reaches its end.
That’s why Medicare supplement plans exist. They help cover the costs that regular Medicare doesn’t cover. Without a Medicare Supplement Plan, these costs are your responsibility.
Let us help you choose the Medicare supplement plan that’s right for you.
Also known as Medigap plans, Medicare Supplement Plans supplement your regular Medicare plan, helping to cover copays, deductibles, and coinsurance which your regular Medicare coverage won’t pay for.
The Medicare Advantage Plan is an alternative to the Medigap plan. Rather than a supplement, this plan replaces regular Medicare. While this plan limits you to use only the plan’s network providers, (unlike the Medicare Supplement Plan), the Medicare Advantage Plan is often a more affordable solution for many of our clients.
If you take medication regularly, you should consider adding a Medicare Part D plan. Part D is insurance for your prescription drugs. It helps cover your prescription costs, usually at a low monthly premium.