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What Is The Medicare Savings Program?

Medicare Savings Programs (MSP) are federally funded programs administered by each individual state. These programs are financial assistance programs that help pay some or all of your Medicare premiums, deductibles, copayments, and coinsurance.

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What is the LIS Program for Prescription Drugs?

The Low Income Subsidy (LIS) helps people with Medicare pay for prescription drugs, and lowers the costs of Medicare prescription drug coverage.  We have worked in the community for 20 years helping people qualify for all types of Medicare Savings Programs.

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What’s Included In An Original Medicare Plan Options?

Part A

Hospital coverage is included in a Medicare Plan. Visits – Stays – Home – Hospice are all covered.

Part B

Medical coverage is included in a Medicare Plan. Preventive – Diagnostic – Treatment Services are all covered.

Part C

Medicare Advantage is an alternative to Original Medicare, it’s also known as Medicare Part C. These plans come from private insurance groups that contract with the government.

Medicare Handbooks

Click on the handbook that interests you to download or read now!

Medicare and you handbook 2021
Choosing a medigap policy 2020

The Different Medicare Plan Types Compared

Medicare A/B
Recommended For
Most Affordable Basic Option
Who do I pay?
Part B premiums, deductibles, and coinsurance. Most people would be better off applying for the medicare savings program and selecting a dual snips plan to the right. The dual snip plans may cover some or most premiums you might pay for just Original Medicare / Medicare A & B. Example: For a lengthy Hospital stay you could be responsible for over $50,000 in Medical Bills
Can I go to any doctor?
Yes, if they accept Medicare but you must satisfy the deductible and 20% coinsurance
Where can I get a routine (non-emergency) care?
Anywhere in the country but you must satisfy deductable
Where can I get emergency care
Anywhere in the country but you must satisfy deductable
Will I need a referral to see a specialist
No
Is there a limit to my out-of-pocket spending?
No
Will it pay for extras, like vision and hearing aids?
Maybe, depending on the plan
Medicare Advantage
Recommended For
Better For People With Low/Average Income
Who do I pay?
Medicare premiums and plan premium; your plan sets its own copays and deductibles Example: For a lengthy Hospital stay you could be responsible for over $6,000 ANNUALLY plus your monthly premiums
Can I go to any doctor?
HMO; No, you must go to in-network providers – PPO; Yes
Where can I get a routine (non-emergency) care?
Most plans are restricted to your living area
Where can I get emergency care
Anywhere in the country
Will I need a referral to see a specialist
HMO; Usually – PPO; No
Is there a limit to my out-of-pocket spending?
Yes, but YOUR Annual OUT OF POCKET MAX may be as high as $6,000
Will it pay for extras, like vision and hearing aids?
Maybe, depending on the plan
Dual Snip / Medicare & Medicaid / Medi-Medi
Recommended For
Better For People With Low/Very Low Income
Who do I pay?
It would depend on the level of the Medicaid or medicare savings program you may qualify for. Example: For a lengthy Hospital stay you may be only responsible for $0.00 – $1000 because the plans may be much richer in benefits than your normal advantage plan.
Can I go to any doctor?
HMO; No, you must go to in-network providers – PPO; Yes
Where can I get a routine (non-emergency) care?
Most plans are restricted to your living area
Where can I get emergency care
Anywhere in the country
Will I need a referral to see a specialist
HMO; Usually – PPO; No
Is there a limit to my out-of-pocket spending?
Yes, depending on the level of the medicare savings program you qualify for it could be ZERO
Will it pay for extras, like vision and hearing aids?
Maybe, depending on the plan
Medicare Supplement
Recommended For
Better For People With High Income
Who do I pay?
Medigap premiums, Part B premiums, generally no copayment Example: For a lengthy hospital stay you could have $0.00 to pay out of YOUR OWN POCKET after monthly premiums are met. Medicare Supplement premiums may buy a high out-of-pocket cost dependent upon your living area.
Can I go to any doctor?
Yes, if they accept Medicare
Where can I get a routine (non-emergency) care?
Anywhere in the country
Where can I get emergency care
Anywhere in the country
Will I need a referral to see a specialist
No, unless you have a Medicare SELECT plan
Is there a limit to my out-of-pocket spending?
Yes
Will it pay for extras, like vision and hearing aids?
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