There are many different Medicare coverage options to choose from in Springfield, Missouri. Are you ready to get started in finding which option is best for you? Then let’s talk about the options available to you right here in Springfield.
Original Medicare
Original Medicare is available to everyone regardless of location, so it’s available to you in Springfield as long as you’re eligible. To be eligible, you must be at least 65 years old. It’s made up of two parts — Part A and Part B.
Medicare Part A is hospital insurance. It covers inpatient care, hospice care, and limited home health services. Medicare Part B is medical insurance, and covers outpatient services, preventative care, and durable medical equipment.
Medicare Advantage Plans
Medicare Advantage, or Medicare Part C, is an optional alternative to Original Medicare. It covers all the same benefits as Original Medicare, as well as additional benefits, and are offered by private insurance companies.
Some of those additional benefits include dental, vision, hearing, medical transportation, and more. One of the biggest and most popular benefits is prescription drugs. You can get an Advantage plan with built in drug coverage, and have approximately 106 Medicare Advantage Prescription Drug plans to choose from in Missouri.
Some of the most popular of these plans in Missouri include CoxHealth MedicarePlus (HMO) and United HealthCare Nursing Home Plan (PPO I-SNP).
Part D Plans
If Medicare Advantage isn’t for you and you still want prescription drug coverage, or just want more robust coverage than a combined plan, you can get a Part D plan.
Like Medicare Advantage, Part D is offered privately. Each plan has its own list of covered prescriptions, called the plan’s formulary. Here are just a few of the Part D carriers in Missouri:
- AARP
- Cigna
- Express Scripts
- Humana
- Mutual of Omaha
- SilverScript
Medigap Plans
Medicare Supplement (Medigap) plans literally “supplement” Original Medicare. If you purchase a plan, it will help pay out-of-pocket costs like copays, coinsurance, deductibles, and more. There are currently 10 different Medigap plans to choose from, and roughly 34 Medigap carriers in Springfield, Missouri.
Understand Your Options with Secure Insurance Group
We’ll make sure you have the full scope of Medicare options right here in Springfield. To get started, call us today at 1-877-871-7328.
