Medicare FAQs
Click below to get answers to some of your frequently asked questions about Medicare.
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Welcome to Glasbergen Insurance Services!
Glasbergen Insurance Services provides over 10 years of experience and knowledge needed to help people better understand their insurance needs.
For many, especially Seniors, Insurance can be confusing, frustrating and even mysterious. We at Glasbergen Insurance Services, take the time with each prospective client to help them cut through the confusion.
Our goal is to help our clients understand their best choices. We strive to provide the plan that best meets your needs and that of your family.
We specialize in Medicare Advantage Plans, Medicare Supplement Plans and Part D Drug Plans.
We also offer Life Insurance, Juvenile Life Insurance such as Gerber Life, Final Expense Burial Insurance or Long Term Care Insurance. Glasbergen Insurance Services strives to provide the utmost in client satisfaction.
Medicare Advantage
Medicare pays 80% of your health care bill. You are still responsible for paying what Medicare does not cover on your health care bill. There are several different options and health care plans to help ease the costs of medical bills. The most common option is Medicare Advantage Plan, which also may include prescription drug coverage and other additional benefits such hearing, dental and vision:
- Health Maintenance Organizations (HMO)
- Preferred Provider Organizations (PPO)
- Private Fee-For-Service (PFFS Plans)
- Special Needs Plan (SNP) (low-income eligibility)
You still have Medicare if you join a Medicare Advantage Plan, which is sometimes referred to as Plan C. These different types of plans have different rules for how and where you can get coverage. Contact Glasbergen Insurance to help you choose the right plan for your needs.
Click Here to ViewMedicare & You Videos
Supplemental Insurance - Medigap
Medigap plans are not Medicare Advantage. Medigap plans are health insurance policies that offer standardized benefits that work with original Medicare and they are guaranteed renewal as long as premium is up-to-date. Medigap plans pay for part, or all of remaining costs after original Medicare pays first. Medigaps only work with original Medicare. If you have a Medicare Advantage plan you cannot buy Medigap or a Supplemental plan.
Prescription Drug Plans - Part D
Medicare Prescription Drug Plans help cover the cost of prescription drugs.
- May help lower your prescription cost drugs and help protect against higher costs in the future
- Included in most Medicare Advantage Plans
- Low-income Subsidy
- EPIC
