About

COMING SOON

©2019 BY LESA INGLIS INSURANCE  Dallas, Georgia, USA

 

Medicare Options and Solutions

Disabled, Turning 65, and Beyond

Medicare is confusing to most people and health care can be expensive. Our goal is to help you find the plan that offers the highest level of protection at the lowest cost.

 

First, we sit down with you and show you how Medicare works and explain all of your options because Medicare is not "one size fits all". Every beneficiary has a unique set of circumstances. The right fit for one person, may not be the right fit for you. And that "right fit" may change from year to year.

 

Next, we'll help navigate your choices, and show you all the plans available to you. The decision is always yours.

 

Currently, we're licensed in several states including Alabama, Florida, Georgia, North Carolina, Ohio, Tennessee and Virginia.

Original Medicare Only

Unlimited Out of Pocket - No cap on financial exposure

You pay 100% for most prescription drugs unless you have Part D or other drug coverage.

Part A (Inpatient Hospital) -

     $1364 Deductible (2019) Each Benefit Period - 80/20 Coinsurance

     Inpatient Hospital Care (Semi-private room, meals, drugs as part of treatment)

     Skilled Nursing Facility up to 100 Days

     Hospice Care

     Home Health

     

Part B (Medical) -

     $185 Deductible (2019) Annually - 80/20 Coinsurance

     Medically necessary doctors' services including those received as hospital inpatient

     Preventative Services

     Labs, X-rays, MRIs and some other diagnostic tests

     In very limited circumstances, medications administered in an outpatient setting

Medicare Supplement

and Stand-Alone Drug Plan

Option 1 -

Limits Financial Exposure.

Monthly Payment.

No dental, vision, hearing.

Medicare Supplements are private insurance plans. The name are letters, commonly known as, Plans A, B, C, D, F, High F, G, High G, K, L, M, and N.  Each of these plans pays the same, regardless of insurance carrier. 

In addition to a Medicare Supplement you will need a Stand-Alone Prescription Drug Plan aka Part D. If you do not choose a drug plan, you may incur a Late Enrollment Penalty. 

Medicare Advantage Plans

Option 2 -

Low or No Premium Plans.

Copays/Coinsurance.

Limits Max Out-of-Pocket.

These are types of Medicare health plans that contract with Medicare to provide all of your Part A and Part B coverage. These plans include HMOs, PPOs, PFFS, Special Needs Plans, and MSPs. These plans are known as Part C.

Commonly referred to as MA (Medicare Advantage) or MAPDs (Medicare Advantage/Prescription Drug) plans, many include extra benefits such as Hearing, Dental, Vision and other ancillary benefits.