Help Making the Best
Medicare Coverage Decisions
How Decision Tree Financial Will Help You Navigate Your Medicare Decisions
The key to knowing what Medicare decisions you should make relies on your ability to ask the right questions to get the answers you need. As part of our financial planning division , Decision Tree Financial offers a detailed and unbiased Medicare “RoadMap” that will provide you with an exact plan of action to enroll in the right Medicare coverage for your situation. Learn more…
Why You Want a “Medicare RoadMap”
You want a Medicare RoadMap because you are UTTERLY CONFUSED about Medicare!
The simplest reason you want a medicare roadmap is because you are simply confused about what you need to do. We understand there is a lot of information out there helping you to decide what you should do about Medicare. Most of the information you are receiving is from companies and agents hoping you will buy a Medicare plan from them.
With Decision Tree Financial’s Medicare Roadmap your life will be simplified and you will have a detailed understanding of EXACTLY WHAT you need to do about Medicare and WHY so that you can enroll at the right times with the correct coverages.
A Medicare “road map” can help you make the best decision for your situation.
To understand what Medicare covers
The various parts of Medicare cover different risks. Medicare Part A hospital coverage and includes financial support for inpatient hospital care, skilled nursing facility, hospice, lab tests, surgery, home health care as well as 100% coverage for hospice care.
Medicare Part B, which requires a monthly cost which increases with income, covers services like doctors’ services and tests, outpatient care, home health services, durable medical equipment, and other medical services.
Medicare Part D, which also requires a premium, covers prescription drug coverage and Medicare Part C, or a “Medicare Advantage Plan” is an option that an Medicare beneficiary can make which covers everything Part A and B with an additional option to include Part D coverage all managed by a private insurance company.
All of these Medicare parts have coverage limitations, deductibles, co-insurance and “out of pocket maximums” a beneficiary should understand before enrolling in a plan. Timing for enrollment into these plans is important to avoid penalties and guaranteed coverage.
Understand what Medicare doesn’t cover.
Medicare insurance is designed to provide coverage to certain risks but leave many gaps. Medicare supplement plans, or “Medigap” plans are private health insurance plans that cover some of these coverage gaps such as deductibles, coverage outside of the United States and blood transfusions.
In addition, Medicare does not cover expenses involving long-term care after a maximum of 150 days of care and ONLY when that care is after the beneficiary has been in the hospital.
How Decision Tree Financial will help you make the best Medicare decisions
Decision Tree Financial can help you decide on which Medicare insurance options are best for you with the Medicare resources found on this site along with our customized Medicare enrollment “roadmap” that details an individualized step-by-step easy to follow directions on which plan is right for you and why. Learn More…
Learn More about the decisions you need to make regarding Medicare