Medicare Insurance

Medicare is a federal health insurance program that offers coverage for individuals aged 65 and older, along with some younger individuals with certain disabilities. At Mike Carvalho Insurance Services, we are dedicated to making Medicare simple and accessible, so you can confidently select the coverage that aligns with your unique health needs.

Medicare is divided into four parts. Part A, known as hospital insurance, covers hospital stays, skilled nursing facility care, and certain home health services. Part B, or medical insurance, helps cover doctor visits, outpatient care, and preventive services. Part C, or Medicare Advantage, is an alternative plan managed by private companies that combines Parts A and B and often includes extra benefits. Part D provides prescription drug coverage, helping to manage the costs of medications.

Original Medicare consists of Parts A and B, covering a significant portion of healthcare expenses. However, it doesn’t cover everything, and additional costs like deductibles, copayments, and coinsurance may still apply. This is where we can help you explore options like Medicare Advantage or Medicare Supplement to enhance your coverage and reduce out-of-pocket expenses.

At Mike Carvalho Insurance Services, our approach is personalized. We assist in explaining each Medicare component, so you feel confident in your choices. We’ll also help you understand key enrollment periods, such as the Initial Enrollment Period, the Annual Election Period, and the Special Enrollment Periods. Missing these windows can lead to penalties or delays in coverage, so it’s crucial to make the right decision at the right time.

Contact Mike Carvalho Insurance Services today to learn more about how Medicare can work for you. We’re here to provide you with clear information, guiding you every step of the way.