Payton Patrick

Medicare Health Insurance

 Hi, my name is Payton Patrick and I help guide seniors through the Medicare enrollment process.  Then I stay up-to-date regarding any changes and new offerings that may affect my healthcare clients.

In addition, there are many different Health insurance companies that offer many different types of policies. Also, everyone needs Health Insurance – especially for those 64 1/2 years and older. Please call and let’s talk about your specific insurance needs, and of course, I will answer any and all questions.

Medicare can be confusing but I make it easy.  Call or text me today.

Call or text me anytime to visit by phone or in person.  My service and expertise are provided at no cost to you!

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Payton Patrick Guide to Medicare

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Medicare Insurance Brochure

Original Medicare

The Original Medicare Insurance provides a two-part health plan.  Also, the cost is based on earnings reported to the Internal Revenue Service. The Federal Government manages the two-part Original Medicare Insurance Policies. Therefore, the two parts represent Part A. insurance for Hospitals and Part B. insurance for Doctors and other medical services.

Part A: Referred to as Hospital Insurance. Generally covers inpatient care in a hospital or skilled nursing facility care. If you have paid Medicare taxes for a certain amount of time, Part A is provided FREE of charge.

Part B: Referred to as Medical Insurance. Medicare Part B covers doctors and other health care services and outpatient care. Also, some preventive services and durable medical equipment. Medicare Part B requires a premium payment each month — based on reported income to the IRS.

Part C: Medicare Part C, also known as Medicare Advantage, identifies a health care plan offered by private insurance companies. Medicare Advantage Plans provide all the benefits of Part A and Part B, excluding hospice care.  Medicare Advantage can include prescription coverage. Costs associated with Medicare Part C vary depending upon the policy that is chosen. Some of these costs include a monthly premium, deductibles, copayments, and more.

Part D: Provides outpatient prescription drug coverage. This insurance lowers prescription drug costs. Part D Plans are provided by private insurance companies. If you have Medicare, or a Medicare Advantage plan and desire prescription drug coverage you can purchase Part D separately.  Sometimes prescription drug coverage is included with a Medicare Advantage plan.

Medicare Supplement Insurance: Also known as a Medigap Plan, provides private health insurance plans that cover original Medicare payment “gaps”. Finally, Medigap will help pay for co-payments, coinsurance, and deductibles.