Dave Silver Insurance

Overview of Medicare Advantage Plans When shopping for Medicare Advantage Plans, the options are as varied as they are confusing. Beyond your basic Medicare needs, there are many optional plans available depending on your situation and budget. Some plans require more out of pocket expenses resulting in lower monthly premiums whereas other plans are more expensive but allow for more controlled costs for services. With all of the different coverage options, premiums, and expenses, there is no “one plan fits all” that we recommend for everyone. But the advantage of having so many Medicare Advantage Plan options is that we’re able to find a plan that suits every need and budget. These plans are approved by Medicare and are offered by private insurance companies. When purchasing a Medicare Advantage Plan, the plan will provide Medicare Parts A (hospital insurance) and B (medical insurance) and most include Part D (prescription drug coverage) .  In addition, within the different plan...

Medicare Supplement Plan Rates 2020 In addition to the confusion surrounding Medicare and the different Plans available, many people wonder how much Medicare and Medicare Supplement Plans cost each month. And the answer to that question can vary widely depending on which Plan you purchase and the income reported in your last filed tax return. An overview of several different options is below: Medicare Part A If you are enrolled in Medicare, then you’re automatically enrolled in Medicare Part A. And the good news is that for most there isn’t a monthly premium associated with Medicare Part A. And although Part A pays for inpatient care, nursing home stays, and hospice or in-home health care it does have an annual deductible set at $1,408 for 2020. In addition, if a hospital stay lasts longer than 60 days, Part A will require you to cover some of the daily costs. And the daily costs increase if the hospital stay lasts longer than 90 days with no out of pocket maximum. As a result of ...

Dental Coverage for Seniors on Medicare The question of whether Medicare provides dental coverage is a common one. And at a very high level, the answer is simply No. Medicare doesn’t cover dental services that you need primarily for the health of your teeth. Dental services that aren’t covered under basic Medicare include dentures, filings, cleanings, tooth extractions, and routine checkups. But that isn’t to say that certain Medicare Plans won’t cover or help to defer the costs of these services. To better understand dental care options, we first have to understand the different Medicare Plans that are available. Medicare Plan A Medicare Plan A, also known as Original Medicare, covers basic hospital expenses. In general, it pays for inpatient care, nursing home stays, and hospice or in-home health care. It doesn’t, however, pay for hearing aids, mobility devices, or basic dental needs. But some dental services will be covered under Part A if they’re associated with other medical ...