Medicare

Navigating Medicare can be complex, but you don’t have to do it alone. Robertson Ryan Insurance offers expert guidance to help you understand your Medicare options and find the right coverage to meet your healthcare needs. Whether you’re approaching 65 or exploring Medicare for the first time, our experienced agents provide personalized support to make the process simple and stress-free.

What Is Medicare?

Medicare is federal health insurance for people who are age 65 or older, certain younger people with disabilities, or people with End-stage Renal Disease (permanent kidney failure).

4 Types of Medicare:

Medicare Part A (Hospital Insurance)

Part A covers inpatient care in hospitals, skilled nursing facilities, and hospice care and home health care.

Medicare Part B (Medical Insurance)

Part B covers certain doctors’ services, outpatient care, medical supplies, and preventative services.

Medicare Part C (Medicare Advantage Plans)

These are combination plans managed by private insurance companies approved by Medicare. They typically are a combination of Part A, Part B and sometimes Part D coverage, but must cover medically necessary services. These plans have discretion to assign their own copays, deductibles and coinsurance. Medicare Part D is prescription drug coverage and is available to everyone with Medicare. It is a separate plan provided by private Medicare-approved companies, and you must pay a monthly premium.

Medicare Part D (Prescription Drug Coverage)

Part D helps cover the cost of prescription drugs.

When you have Medicare, you should also think about the following:

  • Supplement insurance (Medigap)
  • Medicare Advantage Plans (Replacement polices)
  • Medicare Part D (Prescription Drug Coverage) sold by private insurance companies
  • Many people purchase a supplemental insurance policy, such as a Medigap plan, to handle any Part A and B coverage gaps.

At Robertson Ryan we have a knowledgeable team and resources to help you with your Medicare planning and ongoing program needs.

Contact Us

Disclaimer: We do not offer every plan available in your area. Currently we represent 14 organizations which offer 68 products in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program to get information on all of your options.