Medicare Plans in Chattanooga, TN

In your later years, your health is the most important thing to secure. Medical bills can be a real concern, so you need coverage that makes sure your healthcare needs are met in retirement.

Medicare is the federal health insurance program for people who are 65 or older, people with end-stage renal disease, and some younger people with disabilities. Most people get Medicare Part A (hospital insurance) and Part B (medical insurance) when first eligible. Original Medicare pays for much, but not all, of the cost of covered health care services and supplies.

Medicare Supplement (Medigap)

Medigap is Medicare Supplemental Insurance, sold by private companies, that fills gaps in your Medicare coverage. It can help pay some of the remaining costs like copayments, coinsurance, and deductibles, and some policies cover care when you travel outside the US. Medigap policies generally do not cover long-term care, vision, dental, hearing aids, eyeglasses, or private-duty nursing.

Medicare Advantage (Part C) and Part D

Medicare Advantage Plans are an additional way to get your Part A and Part B coverage, offered by Medicare-approved private companies that follow rules set by Medicare. This is also where most people get their prescription drug coverage (Part D). These plans usually use a provider network and limit what you pay out of pocket each year for covered services.

Medicare and Medicaid together

It is possible to have Medicare and Medicaid coverage at the same time. If you have Medicare and full Medicaid coverage, most of your health care costs are likely covered, you get your Part D prescription drugs through Medicare, and you automatically qualify for Extra Help paying for that drug coverage. Talk with a licensed advisor to see which combination is right for you.