You've
Got
Options
Protect What Matters Most - Your Health.
At Golden Solutions, we specialize in finding you the Medicare coverage that suits you best, both in terms of effectiveness and affordability.
We handle everything from signing you up for Medicare to explaining the intricacies of each part - A, B, C, and D.
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Additionally, we offer guidance on Medicare Supplemental Plans and Prescription Drug plans available in your state, making the entire application process seamless for you.
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Medicare, a federal health insurance program designed for individuals aged 65 and older, as well as those with disabilities, offers various options.
Upon reaching 65, you become eligible for Original Medicare, encompassing Parts A and B. Alternatively, you can opt for a Medicare Advantage Plan or a Medicare Supplement Insurance Policy alongside a Prescription Drug Plan, each offering diverse price plans to cater to your needs.
Medicare
PART
A
What does it cover?
Medicare Part A covers hospital stays and inpatient care, including:
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Semi-private room and meals
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Skilled nursing services
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Care in special units, such as intensive care
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Drugs, medical supplies and equipment
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Lab tests and X-rays
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Operating Room and recovery room servicesSome blood transfusions
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Rehabilitation services after a qualified inpatient stay
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Part-time skilled care for the homebound
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Hospice Care
PART
B
What does it cover?
Medicare Part B covers doctor visits and outpatient care, including:
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Annual wellness visit and preventive services, like flu shots
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Lab tests and x-rays Physical therapy, occupational therapy and speech-language pathology services
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Diabetes screenings and certain diabetes supplies
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Mental Health care
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Durable medical equipment for use at home, like wheelchairs
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Ambulatory surgery center services Ambulant and emergency room services
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Part-time skilled care for the homebound
PART
C
What does it cover?
Medicare Advantage (Part C)
These plans are like HMOs or PPOs, and typically include Part A, B, and D.
They are offered by private insurance companies and replace Original Medicare Parts A and B with their own.
Most plans offer prescription drug coverage (Part D), coverage for routine dental, vision and hearing, eye wear, hearing aides and fitness programs.
PART
D
Medicare prescription drug coverage is an optional benefit.
Medicare offers drug coverage to everyone with Medicare. Even if you don’t take prescriptions now, you should consider joining a Medicare drug plan.
If you decide not to join a Medicare drug plan when you’re first eligible, and you don’t have other creditable prescription drug coverage or get Extra Help, you’ll likely pay a late enrollment penalty if you join a plan later.
Generally, you’ll pay this penalty for as long as you have Medicare prescription drug coverage.
Medicare Supplement Plan
Medigap Programs
Original Medicare (Parts A and B) pay for much, but not all, of the cost for health care services and supplies. Medicare Supplement Insurance policies, sold by private companies, can help pay some of the remaining health care costs, like copayments, coinsurance, and deductibles. Medicare Supplement Insurance policies are also called Medigap policies.
Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. Generally, Medigap policies don’t cover long-term care (like care in a nursing home), vision or dental care, hearing aids, eyeglasses, or private-duty nursing.
Medigap policies are standardized
Every Medigap policy must follow federal and state laws designed to protect you, and they must be clearly identified as “Medicare Supplement Insurance.” Insurance companies can sell you only a “standardized” policy identified in most states by letters A through D, F through G, and K through N. All policies offer the same basic benefits, but some offer additional benefits so you can choose which one meets your needs. In Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized in a different way.
Many plans are available and vary in cost.