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What are my Medicare options

Medicare Information

Medicare Advantage Vs. Medicare Supplement

The main difference between a Medicare Advantage plan and a Medicare Supplement plan is that a Medicare Supplement plan acts in addition to your Original Medicare policy. A Medicare Supplement plan will help to cover deductibles and extra co-payments that are not fully covered by Medicare A and B.

In contrast, a Medicare Advantage plan completely replaces your Original Medicare plan. These plans work in a similar fashion to a group health insurance plan and have set copays for various services and a network of doctors that participate. One major perk of a Medicare Advantage plan is that your coverage includes the costs of prescriptions, whereas with Original Medicare you would have to purchase Part D prescription drug coverage separately from an insurance company.

Fun Facts

  • Did you know that Medicare currently accounts for 14 percent of the federal budget?
  • The Baby Boom Generation will make it so that the number of people who are on Medicare will rise from approximately 47 million to about 78 million between 2010 and 2030.
  • Before Medicare was signed into law in 1965, 19 percent of an individual’s income was dedicated to health care.

FAQ

Q1) How do I enroll in Medicare?

Those who are receiving Social Security or Railroad Retirement benefits are typically automatically enrolled in Medicare. If you were not automatically enrolled, you can enroll simply by calling Social Security. If you or your spouse have obtained 40 quarters of credit with Medicare, you will receive Part A benefits at no cost. There is a cost to enroll in Part B of Medicare, which can increase based on income. You do not need to enroll in Medicare Part B if you or your spouse are actively working and get benefits from an employer.

Q2) What does Medicare cover?

Medicare was put into place to ensure that those in need are able to receive both health care services that are determined to be medically necessary and reasonable. In complying with this requirement, Medicare coverage includes:

  • Medicare Part A – Covers inpatient skilled nursing facility stays, home health care, hospice care, and inpatient hospital stays.
  • Medicare Part B – Covers outpatient medical services, including diagnostic lab tests, preventative care, and doctor visits.
  • Medicare Part D – Covers the cost of many prescription drugs.

Q3) Since Medicare won’t be able to cover all of my health care costs, is there a way to offset the remaining balance?

There are a few options available to you to supplement Medicare so that you are not left with substantial out-of-pocket costs. We can help you determine whether a Medicare Supplement or Medicare Advantage plan would better suit your coverage needs.

Request a Custom Quote

Always remaining on top of the latest happenings in the industry and their impact on Medicare, the experienced professionals at Crowe & Associates are here to help you determine whether a Medicare Advantage plan or Medicare Supplement plan would best suit your insurable needs. Simply fill out the “Custom Quote” form to the right to get started.

Understanding Medicare

Medicare is a federal health insurance program in which those who are 65 or older or individuals with certain disabilities are invited to take advantage of. However, Medicare does not cover all health care expenses, meaning you may need to look into additional policies in order to cover these out-of-pocket costs. There are two main options available to cover Medicare coverage gaps: Medicare Advantage and Medicare Supplement plans.

The experienced professionals at Crowe & Associates can help you understand the difference between Medicare Supplement and Medicare Advantage plans so that you can receive the health care you deserve. Rather than running the risk of choosing the wrong plan and having to deal with a long line of issues down the road, allow the agents at Crowe & Associates to be your Medicare guiding hand.

Get a Quote

REQUEST A CUSTOM QUOTE

We stay up to date on the latest in Medicare, and have excellent relationships with the providers, so we can get the best package for you.

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With licensed sales professionals in both the investment and insurance fields, the experienced and knowledgeable team at Crowe & Associates can tend to your various needs.

Latest News

  • What is Original Medicare

    What is Original Medicare

    Although there are millions of people on Medicare, many find it a

    7 May, 2025

For agent use only.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800 MEDICARE to get information on all options.

Not affiliated with the U. S. government or federal Medicare program. This website is designed to provide general information on Insurance products, including Annuities. It is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that [Agency Name], its affiliated companies, and their representatives and employees do not give legal or tax advice. Encourage your clients to consult their tax advisor or attorney.

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  • Home
  • ABOUT
  • Sales Blog
  • Sales Tools
    • Online enrollment
      • Connect4Medicare
      • Sunfire
    • Quote and comparison site
    • Application Processing
    • Free Medicare lead program
    • Agent website
    • Predictive dialer
  • Free Leads
  • Products
    • Medicare Plans
    • Life Insurance Plans
    • Final Expense Insurance
    • Long Term Care Insurance
    • Fixed and Indexed Annuities
    • Healthshares
    • Dental and Vision Plans
    • Other Products
  • Training Webinars
  • Contact Us
Crowe & AssociatesCrowe & Associates

Online Enrollment- Enroll prospects online without the need for a face to face appointment. Access to all major carriers with the ability to compare plan benefits and prescription drug costs. Link to recorded webinar https://attendee.gotowebinar.com/recording/2899290519088332033

All agents receive a personalized enrollment website. Prospects can use the site to compare plans, check doctors, run drug comparisons and enroll in plans. Agents are credited for all enrollments. Click Here

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