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Medicare

Need Help Understanding Medicare?


We specialize in helping our clients find Affordable Medicare Insurance solutions. Whether you are looking for Affordable Medicare Supplement Insurance, Medicare Advantage options, Medicare Part D coverage or you are not sure what to look for, we’ve got you covered.

We make it simple and easy to sift through the many options available to you for your Medicare Supplement Insurance needs and find the plan that is right for your needs and your budget.

We have access to all of the major insurance companies like Anthem Blue Cross, Blue Shield, HealthNet, AARP, Humana and more. Premiums for these plans are filed and regulated with the Government so, the premiums are the same whether you buy from Lewis Financial Insurance Services Inc., another local agent or directly from the insurance company for the same plan. You can enjoy the benefits of working with our friendly, knowledgeable staff and rest assured that you are getting the best price available.

What is Medicare?


Medicare was instituted under the Lyndon B. Johnson administration in 1965. Medicare is health insurance for people age 65 or older and for some people under the age of 65 that have certain disabilities. Medicare was established to pay about 80% of covered medical costs. Covered medical services are divided into two major categories:

  • Part A which mainly covers Hospital services and
  • Part B which covers other medically necessary services like outpatient care and doctor services.

What is Medicare Supplement?


Medicare Supplements are exactly that, a supplement to Medicare. Medicare Supplement Insurance is also known as Medigap Insurance. Medicare Supplement Insurance is coverage for the 20% or so of medical expenses that original Medicare does not cover. There are several Medicare Supplement Insurance plans to choose from, however, Medicare Supplement Plan F is by far the most popular plan sold. Call now to see why Plan F is the most popular and see which plan is best for you.

What is Medicare Part D coverage?


Medicare Part D coverage or Prescription Drug Coverage has many options as well. The best way to determine which Part D plan is best for you will depend on which prescription drugs you take, as each Health Insurance company’s Part D plans have their own unique drug formulary. A Drug Formulary is a list of the specific generic and brand name drugs covered for each plan. Give us a call today to see which Medicare Part D plan is right for you.

What is Medicare Advantage?


Medicare Advantage plans, otherwise known as Part C, is a type of Medicare health plan offered by a private health insurance company that contracts with Medicare to provide you will all your Part A and Part B benefits. Most Medicare Advantage plans offer Part D or Prescription Drug Coverage. Medicare Advantage plans replace original Medicare and pay for your Medicare covered services.

Medicare Advantage Plans can be a good fit for the right situation, but, certainly are not for everyone.

Give us a call today to if a Medicare Advantage plan is right for you.