As you get closer to retirement, it’s crucial to start thinking about what Medicare will offer you. At Nesso Group, we know that senior benefits are important, so we offer a wide range of services to help make your retirement more comfortable. Our Medicare Part C plans will provide you with the coverage you need, and our Medicare Advantage HMO and PPO plans can help keep costs down.
For decades, we’ve provided reliable financial and insurance services to seniors in Connecticut. Whether you’re looking for Medicare Advantage Dental, Vision, and Hearing coverage or just want to learn more about Medicare Advantage Special Needs Plan options, you can trust Nesso Group to help you find the right plan that fits your needs.
Discovering Nesso Medicare
At Nesso, we pride ourselves on being an honest and transparent company. We understand that every person’s needs are different, and we’re committed to helping you find the right plan. Our Senior Benefits Team is specially trained to assist seniors in navigating the often complex world of Medicare. We’ll help you understand your options and ensure you’re getting the coverage you need at a price you can afford.
We’re dedicated to providing comprehensive and affordable healthcare options for seniors throughout Connecticut. Whether you’re looking for Medicare Advantage coverage, Medicare Dental plans, Vision or Hearing services, or just need help learning more about Medicare Part C and Part D; we’ll be there every step of the way.
At Nesso Group, we know that choosing the right Medicare Advantage plan for your retirement isn’t an easy task. With so many options available, it can be difficult to know where to start. Let us help you discover the benefits of Nesso Medicare today!
Our Experts Explain Medicare
If this is your first experience with Medicare, or you just want to clarify some doubts, let our experts break it down.
What is Medicare?
Medicare is a federal government program that provides health insurance coverage for seniors across the United States. The plan covers three groups of people: those age 65 or older, younger ones with disabilities, and patients with end-stage renal disease. Although it offers more choices in terms of costs and coverage, Medicare’s complexity often causes difficulty for those seeking to sign up.
The Story Behind Medicare
Congress created Medicare by amending the Social Security Act in 1965, providing coverage for people aged 65 and older who did not have health insurance.
The Center for Medicare & Medicaid Services (CMS) now manages the program, which gives coverage to people younger than 65 with disabilities, end-stage renal disease, or amyotrophic lateral sclerosis (ALS), also called Lou Gehrig’s disease.
How Does Medicare Work?
There are four different parts to Medicare, and each one covers a unique aspect of healthcare:
- Medicare Part A covers hospital care, skilled nursing facility stays, hospice service, and at-home support.
- Medicare Part B pays for doctor’s visits, outpatient care, home care, medical equipment,and preventive screenings.
- Medicare Advantage, known as Part C, is a plan provided by private companies that Medicare has approved. These plans typically offer benefits for Parts A, B, and D.
- Medicare Part D helps pay for the costs of your prescription drugs.
Who Can Qualify for Medicare?
Several conditions must be met to qualify for Medicare coverage. Still, if you have lived legally in the United States for at least five years and are 65 or older, you will automatically be enrolled in Parts A and B upon receiving Social Security benefits. Part D is not automatic; you must enroll separately to receive this coverage.
If you are under 65 and receive Social Security Disability Insurance (SSDI), you may qualify for Medicare. Those who get SSDI usually have to wait two years after they first start receiving checks before qualifying. However, the program exempts anyone with ALS or permanent kidney failure. You can enroll through the Social Security Administration (SSA) website.
What Does Medicare Pay for?
There are four types of Medicare plans: A and B, C, and D. The most basic coverage comes from Parts A and B, but individuals can enroll in different programs for more comprehensive care.
Explaining Medicare Part C
What is Medicare Part C?
Also known as Medicare Advantage, Part C is a Medicare plan offered by private companies that the federal government approves. These plans typically include coverage for both Parts A and B while providing additional benefits such as prescription drug coverage (Medicare Part D), dental care, vision care, or hearing aids.
Many Medicare Advantage plans have annual limits on out-of-pocket costs and. They also offer Medigap benefits that original Medicare patients would need to buy supplemental insurance, such as copayments, deductibles, and even coverage for travel outside the U.S. sSome plans might include dental, vision, and hearing care.
What are Some Benefits of Medicare Advantage?
We’ve laid out the benefits of choosing Medicare Advantage:
- Medicare Advantage plans tend to be more affordable than Original Medicare, as they combine multiple services into one plan.
- Many people find it easier to manage their healthcare costs with a single monthly premium rather than paying out-of-pocket for each service. Some plans may include co-pays and co-insurance which are usually associated with Medicare Adnatage plans.
- Some Medicare Advantage plans include coverage for services that Original Medicare doesn’t typically cover, such as dental care or hearing aids.
- Some Advantage plans offer credits toward eye exams and replaceable eyewear, which can be especially helpful for seniors with vision problems.
- Choosing Medicare Advantage offers peace of mind, knowing that you have access to the best healthcare benefits available in your area.
If you’re considering enrolling in Medicare Advantage, we recommend talking to a representative at Nesso Group in Connecticut. We can help you pick the best plan for your needs and budget and answer any questions about coverage options, premiums, or out-of-pocket costs.
What does Medicare Part C cover?
Medicare Part C must cover, at the very least, the same essential services provided by original Medicare. Some of these essential services include:
- Inpatient hospital stays & treatments
- Limited stays at a nursing facility
- Inpatient rehab
- Home healthcare
- Doctor’s visits
- Laboratory and blood tests, plus X-rays
- Medical equipment
- Mental health services
- Emergency transportation
- Preventive care
How Much Does Medicare Part C Cost?
The costs that come with a Medicare Part C plan are ever-changing, which means your out-of-pocket expenses will differ depending on the plan you select. Some of these plans might cover part of your monthly premium for Part B. Still, others require their deductible and premium payment separate from what is typically required by Medicare.
Not only will you accrue these additional costs, but you may also be responsible for a copay when using medical services. Although there are many advantages to having Medicare Part C- such as an annual limit on how much money you’ll spend out of pocket- the initial investment can be costly. Make sure to weigh all your options before selecting a Medicare plan that’s right for you.
We Support Senior Citizens in Connecticut
The Nesso Group is a financial and insurance company located in Connecticut. We specialize in helping our clients navigate the Medicare system. Our team of expert advisors is dedicated to providing seniors with the resources they need to make informed decisions about their healthcare coverage. We work with seniors to understand their unique needs and goals and develop custom Medicare plans that provide the best possible coverage at the most affordable rate.
Our goal is to help seniors stay healthy and independent. We are committed to providing the highest quality customer service. If you or a loved one is interested in learning more about our services, we encourage you to contact us today. Nesso Medicare is committed to helping seniors live their best lives. We are proud to be a leading provider of Medicare services in Connecticut.