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MEDICARE

Medicare is the United States’ federal health insurance program for people who are 65 or older. It is also available for certain people younger than 65 with disabilities or people with End-Stage Renal Disease.


There are several “PARTS” to Medicare that contain different coverage:

PART A

This covers in-patient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

Most of the time Part A does not cost you anything.

PART B

This covers physician visits, outpatient services, preventive services, and some home health visits.

It may also include Parts A & B

PART C

This refers to the Medicare Supplement plan, through which beneficiaries can enroll in a private health plan.

This includes Parts A & B, and also Part D benefits.

PART D

This covers prescription drugs that contract with Medicare, including stand-alone drug plans.

Part D helps to pay for very high drug costs

What Are Medicare Supplements?

 

Medicare Supplement plans, also called Medigap policies, are designed to work with Original Medicare Parts A and B. Medigap policies help pay for some health care costs not covered by Original Medicare, such as deductibles, coinsurance and foreign travel emergency.

Supplement Plans or Medigap Policies

These plans are offered by private insurance companies and are available to people with Medicare Part A and B

Stand-alone
RX Plans

People with Original Medicare and a Supplement Plan can choose any stand-alone Part D prescription plans to pay for their drugs.

Supplement Plans or Medigap Policies

People with Original Medicare and a Supplement Plan can choose any stand-alone Part D prescription plans to pay for their drugs.

NEED HELP DECIDING YOUR COVERAGE?

Our well-trained, experienced agents are ready to answer questions about your Medicare or health insurance and put together a comprehensive plan to fit your needs.

 

Give us a call or submit a request for a consultation below!

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CLIENT FEEDBACK

Ricky Gonzales provides exceptional service. He exceeded my expectations. Very professional, always on time and available to answer all questions. I highly recommend him!
Kim Dugan
Kim Dugan
Ricky helped me with a Medicare supplement cycle. He was such a pleasure to work with and very caring. I highly recommend him to anyone who has Insurance needs.
Debbie Larsen
Debbie Larsen
Ricky Gonzalez is a blessing. He was referred to me by a co-worker and I have been extremely grateful for his knowledge, experience and sincerity. I’m in my second year leaning on his expertise and without a doubt, I’ll will rely on Ricky/Pinnacle for any future decisions. He is like extended family.
Chris Presley
Chris Presley
Mr. Gonzalez will go out of his way to make sure his customers understand every detail of the medical insurance. That you are signing up for 👍 I will definitely recommend him to anyone looking for a medical insurance.
Nidia Berrios
Nidia Berrios
Every detail related to health is very important. That is why the orientation and help to select the best insurance based on your needs is very important. 100% satisfied with the professionalism and passion that Ricky puts into his work.
Mildred Morales
Mildred Morales
Working with Ricky Gonzalez has been a pleasure. He constantly follows up, meets you at your place of business or home if you need him to. The whole process went smoothly. I would do business with him again.
NC Ranshaw
NC Ranshaw
Rick was very informative and detailed and helped me tremendously to find the right insurance plan. Would highly recommend him and will be using him in the future.
Maura Hertzog
Maura Hertzog

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