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NAVIGATING YOUR COVERAGE

Medicare Insurance

More Than Just Coverage: Simplifying Medicare for You

Medicare can seem overwhelming with its multiple parts and varying coverage levels. Whether you’re a first-time enrollee or reviewing your current plan, it's essential to understand the details. At Capstone Insurance Services, we provide clear and straightforward guidance, helping you make informed decisions about your healthcare coverage. From deciphering the differences between Medicare plans to ensuring your unique needs are met, we’re with you every step of the way.

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Support You Can Count On

Medicare isn’t a one-size-fits-all program. With varying levels of coverage and benefits, it's important to choose a plan that aligns with your healthcare needs both now and in the future. Capstone Insurance Services offers personalized assistance in understanding Medicare options, from which doctors you can see to how much you’ll pay for prescriptions and medical treatments.

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Prescription Drug Plans (Part D)

Medicare Part D offers coverage for prescription drugs, but choosing the right plan can be tricky. We help you assess your current medications and select the most affordable drug coverage option, ensuring your prescription needs are taken care of without unnecessary costs.

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Medicare Advantage Plans Explained

Medicare Advantage plans combine hospital, medical, and often prescription drug coverage into a single plan. But is it the best option for you? We’ll break down how Medicare Advantage differs from Original Medicare, including network restrictions, out-of-pocket costs, and added benefits.

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Medicare Supplement Insurance (Medigap)

While Original Medicare covers much of your healthcare costs, it doesn’t pay for everything. Medicare Supplement (Medigap) plans help cover those gaps, such as deductibles and copayments. We’ll guide you through the different Medigap plans to determine the best choice for your situation.

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Let’s Talk About Your Medicare Plan

Choosing the right insurance plan can be stressful, but it doesn’t have to be. Contact Capstone Insurance Services to schedule a consultation, and we’ll help you find a plan that provides the protection you need without the hassle.

  • What is Medicare Part D, and do I need it?

    Medicare Part D provides coverage for prescription medications. If you regularly take medications, enrolling in a Part D plan can help reduce your out-of-pocket costs.

  • How is Medicare Advantage different from Original Medicare?

    Medicare Advantage plans bundle hospital, medical, and often prescription drug coverage, while Original Medicare separates these into different parts. Medicare Advantage plans may also offer additional benefits like vision and dental, but they often come with network restrictions.

  • When should I consider a Medicare Supplement plan (Medigap)?

    If you’re worried about the out-of-pocket costs that Medicare doesn’t cover, such as copayments, coinsurance, and deductibles, a Medigap plan can provide financial protection and peace of mind.

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