Services
At Unity Senior Health, we specialize in helping individuals find the right Medicare plans, including Medicare Advantage. Our licensed agents provide personalized guidance, simplifying the enrollment process and ensuring you get the coverage that fits your needs. Best of all, our expert assistance comes at no cost to you!
Our Services
Medicare Part A & B
Original Medicare has two parts: Medicare Part A and Medicare Part B .
Part A and Part B provide hospital and medical coverage for individuals 65 years of age and older.
Medicare customers can see any doctor in the country that accepts Medicare.
You have a seven-month window when you turn 65 called your Initial Enrollment Period (IEP) to enroll in Original Medicare — the month of your birthday plus three months before and after your birthday month. If you miss your IEP, you’ll need to wait for the Annual Enrollment Period.
Medicare Advantage (Part C)
Medicare Advantage (Part C) represents a type of private health insurance that strictly adheres to the guidelines set by Medicare. This comprehensive plan combines the coverage provided by both Part A and B, while also offering additional health and wellness benefits, often incorporating a Part D prescription drug plan.
Medicare Part D
Medicare Part D is a prescription drug insurance program overseen by private insurance companies under federal regulations. Put simply, it functions as insurance for your prescription medication requirements. You have the choice to enroll in a standalone Part D plan to supplement your Part A and Part B benefits. Alternatively, you can select a Medicare Advantage (Part C) plan, which consolidates Parts A, B, and D.
To obtain a Part D plan, you can procure it from a private insurance company. This plan provides access to the company’s pharmacy network, and you will usually make co-payments for your prescriptions.
Enrolling in Medicare for the First Time
Beneficiaries of Original Medicare (Part A and Part B) are still accountable for co-payments, deductibles, and coinsurance. Medicare Supplement Insurance, also referred to as Medigap policies, steps in to help cover some of the costs that Original Medicare does not. Without adequate coverage, frequent hospital or doctor visits can result in significant expenses.
Medicare Supplement plans address expenses that fall outside the scope of Original Medicare coverage. For example, a Medigap plan could help offset a 20% coinsurance bill related to a doctor visit. All Medicare Supplemental insurance plans are required to cover standard services, and certain plans may provide additional benefits.
Enrolling in Medicare for the First Time
It’s referred to as your Initial Enrollment Period, covering the month of your 65th birthday, the three months before, and the three months after your birthday month. If your birthday falls on the first of the month, the period extends to the month of your 65th birthday, the four months before, and the two months after your birthday month.
Understanding that life events can affect timing, both you and Medicare are aware. In case you miss the opportunity to enroll during your Initial Enrollment Period, there’s a General Enrollment Period from January 1 to March 31, allowing for enrollment with coverage starting on July 1.
LET US ANSWER YOUR QUESTIONS
Frequently Asked Questions
What is Medicare Advantage, and how is it different from Original Medicare?
How can Unity Senior Health help me choose the right Medicare plan?
Can I switch my Medicare Advantage plan if my needs change?
Are there additional benefits available with Medicare Advantage plans?
Is there a cost to use Unity Senior Health’s services?
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