Empowering Your Health Insurance Choices

Medicare Advantage Plans (Part C) are offered by private companies and provide all Part A and Part B benefits, often with additional coverage like dental and vision. Unlike Original Medicare, these plans have set networks of providers.

Medigap plans are supplemental insurance policies sold by private companies to cover gaps in Original Medicare coverage, such as deductibles, copayments, and coinsurance.

Choosing depends on your healthcare needs, preferences for provider flexibility, and budget. Medigap offers broader provider options but typically higher premiums, while Medicare Advantage plans may offer additional benefits but with provider network restrictions.

No, it's not possible to have both a Medicare Advantage Plan and a Medigap policy simultaneously.

Medicaid is a state and federally funded program providing health coverage to eligible low-income adults, children, pregnant women, elderly adults, and people with disabilities. For those eligible for both Medicare and Medicaid (dual eligible), Medicaid can help cover Medicare's premiums and out-of-pocket costs.

Individuals who are enrolled in Medicare and meet their state's Medicaid income and asset requirements may be dual eligible.

You can apply for Medicaid through your state's Medicaid agency or the Health Insurance Marketplace. Benefits include coverage for many services that Medicare doesn't fully cover, such as nursing home care and personal care services.

The Medicare Open Enrollment Period runs from October 15 to December 7 each year. During this time, you can switch Medicare Advantage plans, move from Original Medicare to Medicare Advantage, join, drop, or switch a Part D prescription drug plan.

Check your Medicare Part D or Medicare Advantage plan's formulary (list of covered drugs) to see if your medications are covered. Formularies can change annually, so it's important to review your coverage during Open Enrollment.

If you move out of your plan's service area, you'll need to enroll in a new Medicare Advantage or Part D plan available in your new location. You may qualify for a Special Enrollment Period to make these changes.

Original Medicare generally doesn't cover care outside the U.S., but many Medicare Advantage and Medigap plans offer some travel coverage. Check your plan details for specific travel benefits.

At My360, we offer personalized, expert guidance to navigate Medicare options, ensuring you find a plan that fits your unique healthcare needs and budget. Our commitment to client education and ongoing support sets us apart.

We specialize in finding cost-effective Medicare solutions that cover your healthcare needs without unnecessary expenses. By reviewing your options and leveraging available programs, we help minimize your out-of-pocket costs.

My360 provides comprehensive Medicare plan comparisons, enrollment assistance, annual plan reviews, and educational resources to keep you informed about your Medicare options.

Reach out to us via phone, email, or our website contact form for a free consultation. Our team is ready to assist you with all your Medicare questions and needs.