Your Medicare Options in Aurora: Understanding Your Coverage

Navigating Medicare plans can be daunting, but Choice City Health provides expert guidance and health insurance services for Aurora residents over 65 or with disabilities. Whether you’re interested in Original Medicare with a Part D plan for prescription drugs, a Medicare Advantage plan for comprehensive coverage, or a Medicare Supplement plan to cover out-of-pocket expenses, our skilled agents are ready to help. We ensure you understand your options and find the right plan to meet your healthcare needs.

Medicare Part A (Hospital Insurance): This plan primarily supports patients during inpatient hospital care, skilled nursing facility services for post-hospital recovery, certain types of hospice care, and some home health services after a hospital stay.

Medicare Part B (Medical Insurance): This plan facilitates access to healthcare providers, outpatient treatment, necessary medical devices like wheelchairs and walkers, and preventive measures including vaccinations, screenings, and yearly wellness examinations.

Medicare Part D (Prescription Drug Coverage): Provides assistance with the expenses of prescription drugs. It is available either as a separate plan or as part of a Medicare Advantage plan. It’s essential to examine the specific formulary of each plan, which details the medications that are covered.

Medicare Advantage (Part C): Serves as an all-inclusive alternative to Original Medicare through private insurance companies approved by Medicare. These plans often include prescription drug coverage and may offer extra benefits such as dental or vision care but come with network limitations and varying costs including premiums and deductibles.

Medicare Supplement Plans (Medigap): These plans are intended to offset additional costs not covered by Original Medicare like copayments, coinsurance, and deductibles. The benefits provided by Medigap plans are uniform across different insurers due to their standardized nature.