Medicare Insurance in Washington, NC
Here at Coastal Insurance, we are dedicated to giving our clients the insurance coverage they need so they can remain healthy and happy for years to come. One of the most requested types of insurance is Medicare, a federal health insurance program that is meant for people who are 65 years or older. This type of insurance is essential for older individuals because not only do they need affordable coverage due to their fixed income, but they also need reliable medical care as they have more medical needs than a younger person.
Medicare can also cover younger individuals who have certain disabilities that require constant care or medication.
If you fall into either of these categories and are interested in getting Medicare for yourself or a loved one, reach out to our team for a free quote.
Learn more about the different forms of Medicare in more detail below.
Medicare vs. Medicare Advantage plans
Medicare and Medicare Advantage plans are both designed for people over 65 or those with certain conditions listed above. But Medicare Advantage, introduced in 1995, was created to give people more options with their coverage. While Medicare Advantage plans can cost more and have a limited list of doctors that accept it, they also have unique benefits for their clients, including:
- More Holistic Coverage
Medicare Advantage plans usually cover dental, vision, hearing and prescription drugs in addition to all the usual needs like doctor visits and hospital costs.
- Out of Pocket Protection
While traditional Medicare has no cap on what you pay out of pocket, Medicare Advantage protects its customers by having an out of pocket maximum. After that number is reached, the plan will pay for 100% of everything else.
- Good for World Travellers
Medicare won’t cover care you receive outside of America, even if there is a serious emergency that needs to be addressed. Medicare Advantage plans can cover emergency care no matter where you are in the world.
Medicare is a wonderful way to protect yourself when you are 65 or older, but if any of these unique circumstances apply to you, it might make sense to upgrade to an advantage plan. Reach out to our team at Coastal Insurance to learn more about both types of plans and to get the perfect coverage for your needs.
