Medicare Advantage

An Option for Beneficiaries

Medicare Part C is Medicare Advantage. You might also know Part C as Medicare+Choice, the original name for the plan. Today, we call Part C Medicare Advantage plans, and almost 9 million Americans are enrolled in these plans.

The Advantage

Part C is designed to give Medicare beneficiaries the option of buying coverage through a private health insurance company. These plans offer coverage for all the same services as Parts A and B, but Medicare Advantage is administered by private carriers. That’s why these plans often include additional benefits.

Choosing insurance

What additional benefits might Medicare Advantage plan include? How do you know which insurance plan is best for you? Lighthouse is here to help you navigate this important choice. Call us anytime at 866-230-0222.

Medicare Part D

Prescription Coverage, That’s the Plan

Medicare Plan D plans provide coverage for prescription medications. Part D is an optional benefit, and it is administered by private insurers that abide by certain federal requirements. Plans vary in terms of what drugs are covered. Lighthouse can help you compare plans and choose the best one for your situation.

How to Enroll

To enroll in Medicare Part D, beneficiaries can choose a Prescription Drug Plan (PDP) or a Medicare Advantage plan that includes drug coverage (MA-PD). Confused? Give us a call at 866-230-0222 and we’ll help you work it out.

Medicare Supplement

Stop Medicare gaps with supplemental insurance

Medicare Parts A and B don’t cover everything. Beneficiaries get charged for copays and coinsurance fees for hospital and skilled nursing care bills. That can really add up! And don’t forget, there is an annual deductible for Part B.

Stop Medicare gaps with supplemental insurance, also called “Medigap” plans. You’ll purchase this plan through a private insurance company, and you are responsible for monthly premiums.

When to enroll

Open enrollment is the best time to opt in because insurers can’t set your premiums based on pre-existing conditions or health status. During open enrollment, they are required to accept your application for coverage. Open enrollment is a 6-month time-frame beginning the day you are enrolled in Medicare Part B (as long as you are 65+).

Cost coverage

Supplemental insurance covers a range of charges. Those include Part A coinsurance fees for hospital services, some Part B coinsurance and copays, skilled nursing care coinsurance, and Parts A and B deductibles. Typically, supplemental insurance does not cover prescription drugs.

Compare quotes

Lighthouse allows you to compare competitive quotes from multiple agents so you can choose the best Medicare supplemental insurance plan for you. Just fill out the form or calls us at 866-230-0222 and a Lighthouse specialist will reach out and help you with this process at no cost.

Medicare Ancillary