Medicare advantage — Palm Coast, FL

Medicare Part A is your hospital insurance. It generally covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. Most individuals don't pay a premium for Part A if they or their spouse paid Medicare taxes for a qualifying period. It's a fundamental part of Medicare for Palm Coast residents.

Medicare is a federal health insurance program primarily for individuals aged 65 and older, or those with certain disabilities, regardless of income. Medicaid is a joint federal and state program for individuals and families with limited income and resources. Eligibility for Medicare is based on age or disability, while Medicaid is income-based. Palm Coast residents may qualify for one, both, or neither.

Medicare Secondary Payer (MSP) rules determine which insurance is primary when you have other health coverage besides Medicare. For example, if you're employed, your employer's insurance might be primary. Understanding MSP is important to ensure claims are processed correctly. We can help Palm Coast residents clarify these rules.

Extra Help is a program to help people with limited income and resources pay for Medicare prescription drug costs (Part D). This includes help paying for monthly premiums, annual deductibles, and copayments. If you qualify for Extra Help, you'll also get lower prescription costs and usually be enrolled in a Medicare drug plan automatically. Palm Coast residents can check their eligibility.

UnitedHealthcare offers Medicare Advantage plans, which combine Medicare Part A and Part B benefits into a single plan, often including prescription drug coverage. These plans are an alternative to Original Medicare and may offer additional benefits like dental, vision, and hearing. We can help Palm Coast residents explore UnitedHealthcare options.