Medicare Insurance

Medicare is a fee-for-service health care program for seniors in which the government pays health care providers directly for services that fall under Parts A and B of Medicare benefits. However, if you are looking for more coverage than original Medicare provides, you can purchase one of our Medicare Supplement Plans to help cover your cost sharing for original Medicare.

Medicare is divided into four categories. This allows you to customize your personal coverage when shopping for a comprehensive policy.

• Part A (hospital insurance): Provides coverage for hospitalization, emergency services, nursing home care, home health care, and hospice.
• Part B (medical insurance): This pays for medically necessary services and supplies used to diagnose and treat medical conditions, as well as preventative services for illness preventions and/or early detection.
• Part C: Combines Parts A and B and, in some cases, Part D.
• Part D: This provides coverage for prescription drugs.

Original Medicare offers coverage for services and supplies that are considered to be medically necessary, such as doctor visits, lab tests, and wheelchairs. There are several alternative plans you can choose from for additional coverage, and each plan must offer at least the same coverage as Original Medicare. A Medicare Supplemental Plan, also known as Medigap, supplements the coverage gaps and deductibles that Part A and Part B leave behind.

Imperial Professional Service understands that seniors are most in need of health care, but once retired, monthly premiums can become hard to maintain. Enrolling in the Medicare program allows you to get the care you need for a minimal cost.

Contact us today to learn more about our coverage options. We are happy to work with you to determine which Medicare options work best for you.