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Most citizens of the US rely on government-backed healthcare programs to have their back when they feel like they’re drowning in medical bills and cannot afford to pay out-of-pocket hospital expenses.

People work hard their entire lives to make a comfortable living and save for retirement just so they finally have the chance in their old age to kick back and enjoy life while being looked after. But a single unforeseen exorbitant medical fee can set their plans back, leading to bankruptcy and financial troubles.

Several reports reveal that numerous Americans aged 65 or older face bankruptcy and have medical debt after facing a serious health issue situation in their household. Apart from that, every 1 in 4 households with young people with a disability has to stay indebted due to excessive hospital visits and prescription drugs.

This is where Medicare health insurance comes in. Medicare is a federal health insurance program for senior citizens that provides ample coverage for medical expenses. People automatically become eligible for the Medicare program once they reach the age of 65. People with certain medical conditions like ALS or renal failure and disabilities are also eligible.

When it comes to choosing a healthcare plan, it’s essential to make sure your plan perfectly aligns with your needs, requirements, and financial situation. This is why our Medicare insurance agents are here to help.

At Integrity Now Insurance Brokers, our insurance agents are annually accredited by America’s Health Insurance Plan (AHIP), and with us, you’re in safe hands. Our team of Medicare insurance agents promises to go above and beyond to help you find the best health coverage plan that covers all the bases.

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Medicare Options in Kentucky

Original Medicare

Original Medicare or traditional Medicare includes Medicare Part A and Part B.

Part A offers coverage for hospital services, lab tests, in-patient treatments, hospice care, specialized nursing facilities, and other home healthcare options. Where are Part B helps to pay for tests and treatments, exams, outpatient doctor appointments, mental health, partial hospitalization, and certain medical equipment?

The Original Medicare plan Part A and Part B pay for 80% of the total medical expenses. For the 20% coinsurance, you can opt for a supplemental Medigap policy that is offered by private insurers. You will also be charged a monthly deductible for Medicare Part B unless your income is not sufficient enough to pay for it.

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Medicare Supplemental Health Insurance (Medigap) Plans in Kentucky

Since Medicare Part A and Part B only cover 80% of the overall cost of your medical bills, considering choosing a private secondary coverage policy is important.

Medigap, also known as Medicare Supplement, is a private insurance healthcare plan that you can purchase to get insured for that 20% which isn’t covered in the Original Medicare Part A and Part B. This coverage policy can only be applied to enrollees who are opting for the Original Medicare.

However, Medigap does not cover prescription drugs; this is why we recommend enrolling in the Medicare Part D plan that offers proper coverage for any type of prescription drugs.

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Comparing Medicare Advantage Plans in Kentucky

Here are some factors to consider when you’re considering your Medicare options:

Provider Network

Several Medicare plans require you to consult providers that are under a contract with them. Medical costs will rise if you decide to opt for out-of-network providers. Search for physicians and hospitals that are a part of the Medicare network, so you don’t have to spend a hefty amount on medical bills.

Amount of Coverage Required

When choosing a Medicare plan, think about any specific needs and requirements that you have. Medicare Advantage and Medigap typically provide coverage for additional dental, vision, hearing, and other health-related services that aren’t a part of the original Part A and Part B Medicare plan. Make a list of all the things you want to be included in your Medicare plan, and then choose a plan that fulfills all of them.

Check Plan Ratings

You can check the Part C and Part D performance data that the Center for Medicare and Medicaid Services releases every year. Go through the plan ratings before enrolment so you have a better idea of what to choose.

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Medicare Enrolment in Kentucky

You can apply for enrolment in Medicare in the following time frames.

Initial Enrolment

The initial enrollment period begins three months before and three months after your 65th birthday. You can initiate your application process during this time, and if you qualified for the Medicare plan at a younger age, you could use this time to change or update your plan policies.

General Enrolment

The General enrolment period starts on January 1st and ends on March 31st. In any case, if you missed the initial enrolment period, you can apply for Part A, Part B, Medicare Advantage, Medigap, and Part D during this time frame.

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Get in Touch with Medicare Hope Insurance Agents Today!

Medicare Hope Insurance agents at Integrity Now Insurance Brokers are a certified team of insurance agents who are well-versed with the industry’s complexities and the jargon. We make sure that we go the extra mile for our clients to help them find a healthcare plan that is best suited to their needs and budget.

With our assistance, countless of our clients in Kentucky have landed comprehensive health insurance plans provided by top-tier Medicare Insurance providers across the US. We assure you that your health is our priority, and with our AHIP certified agents, you don’t have to worry about any lacking in your retirement plans anymore.

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Get in touch with us today to get free-of-charge assistance with our reliable insurance agents at any time of the day. We will connect you with A-rated Medicare insurance providers who we meticulously select based on their excellent records.

Book a one-on-one consultation with our insurance agents by giving us a call, and our representative will help you compare quotes and give you all the details you require.

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