MEDICARE 101 FREDERICKSBURG, VIRGINIA

Medicare Health Programs for Seniors in Fredericksburg, Virginia

Are you turning 65 or older this year? Sunshine Senior Services in Fredericksburg, Virginia, is here to get you started on receiving your Medicare health benefits! Our Medicare health programs help seniors think more about maintaining their health while offering adorable health coverage benefits for doctor’s visits, hospital stays, or prescriptions. If you are currently suffering an injury or illness, our private insurance company offers a variety of Medicare benefits to ease the financial burden of your healthcare expenses. Call our staff today to review our Medicare Part A & Part B plans today!

Medicare Part A Fredericksburg, Virginia

At Sunshine Senior Services, we provide Medicare Part A plans for seniors in Fredericksburg, Virginia over the age of 65. Our Medicare Part A plans are designed to provide financial assistance for injuries and illnesses that result in a hospital stay with or without medical prescriptions. If you are a senior that requires frequent lab testing or rehabilitation services, our Medicare Part A plan is ideal for you. Additional Medical Part A coverage includes:

Medicare Part B Fredericksburg, Virginia

Medicare Part B differs from Part A in that it is designed to cover expenses accruing from regular doctor’s visits and medical exams as well as minor prescriptions instead of frequent hospital visits and overnight stays. If you are interested in finding a Medicare B plan that works for you and your spouse, call our office in Fredericksburg, Virginia today to speak with one of our educated staff members. At Sunshine Senior Services our Medicare Part B coverage includes the following options:

Medicare Supplements Fredericksburg, Virginia

Why settle for expensive Medicare plans that barely cover the necessities when you can invest in Medicare supplements, or MEDIGAP, from Sunshine Senior Services. We are a private health insurance company that designs supplemental Medicare plans for 65 and older seniors looking for financial assistance towards coinsurance, copayments, and deductibles.

Here are a few things you should know about our Medicare supplement plans:

Each Medicare supplement plan must offer the same basic benefits, no matter which insurance company sells it.
Usually, the difference between Medicare supplement Policies sold by different insurance companies is the cost, underwriting criteria, extra services (value-added) and customer service.
Medicare supplement insurance companies must follow federal and state laws.
A Medicare supplement plan only covers one person. If a married couple wants Medicare supplement coverage, they must buy separate Medicare supplement plans.

Medicare Advantage Fredericksburg, Virginia

Medicare Advantage plans, or “MA Plans”, are private health insurance plans given to seniors to help cover medical costs caused by doctor’s visits, prescriptions, hospital stays, and more. Only private health insurance companies like Sunshine Senior Services can offer these plans which include the essential coverage benefits included in Medicare Part A and Part B policies.

The different types of Medicare Advantage plans include:

Health Maintenance Organization (HMO) plans—In most HMOs, you can only go to doctors, other health care providers, or hospitals in the plan’s network, except in an urgent or emergency situation. You may also need to get a referral from your primary care doctor for tests or to see other doctors or specialists.
Preferred Provider Organization (PPO) plans—In a PPO, you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. You usually pay more if you use doctors, hospitals, and providers outside of the network.
Private Fee-for-Service (PFFS) plans—PFFS plans are similar to Original Medicare in that you can generally go to any doctor, other health care provider, or hospital as long as they accept the plan’s payment terms. The plan determines how much it will pay doctors, other health care providers, and hospitals, and how much you must pay when you get care.
Special Needs Plans (SNPs)—SNPs provide focused and specialized health care for specific groups of people, like those who have both Medicare and Medicaid, live in a nursing home, or have certain chronic medical conditions.
HMO Point-of-Service (HMOPOS) plans—These are HMO plans that may allow you to get some services out-of-network for a higher copayment or coinsurance.
Medical Savings Account (MSA) plans—These plans combine a high-deductible health plan with a bank account. Medicare deposits money into the account (usually less than the deductible). You can use the money to pay for your health care services during the year. MSA plans don’t offer Medicare drug coverage. If you want drug coverage, you have to join a Medicare Prescription Drug Plan.

Medicare Prescription Drugs (Part D) Fredericksburg, Virginia

We know that prescription drugs can be expensive, leaving you concerned about your financial wellbeing. At Sunshine Senior Services, we offer Medicare Prescription Drugs or “Part D” plans to cover the cost of everything from lab tests and physical therapy to nursing care and of course, medication. Additional services that are included under our Medicare Part D plan include: