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This Expert Experienced Agency Will Make Your Medicare Decisions Affordable Paul Barrett Insurance Services, serving seniors throughout the United States, has launched services to help you save money while maintaining appropriate health insurance coverage. Making a decision about health insurance may be a challenge for seniors. Options for coverage are wide-ranging and expert advice is a must. If you are eligible for Medicare you may believe that Medicare coverage is free. In reality, only Medicare Part A, which covers emergency room and hospitalization, is premium-free. All other medical expenses fall under Medicare Part B, which has a monthly premium, co- pays, and a yearly deductible that are your responsibility. Traditional Medicare does not cover dental or vision care. Prescription coverage falls under Medicare Part D, and again will have co-pays involved. Traditional Medicare also has no maximum for out-of-pocket expenses. To fill the gap in coverage left by traditional Medicare, you have two options. One is a MediGap policy, also known as a Medicare Supplement, which covers expenses that Medicare Part B does not, and allows you to choose your favorite providers. The other is a Medicare Advantage plan which has a monthly premium, but manages all costs associated with Medicare A and B, and may include dental and vision coverage. An Advantage plan requires you to choose from an approved provider list, but often has additional benefits like the Silver Sneakers walking program. Paul Barrett Insurance Services understands how overwhelming these decisions can be and seeks to serve these seniors like you who have contributed so much. As an independent agent Paul has no quotas to fill and works with all major carriers and many local and regional ones. Go to paulbinsurance.com to learn more.
