Guest Blog – Insurance by Cathy: Confused by Medicare?
Confused about Medicare? Here is the important information about your Medicare options for 2025.
The Parts of Medicare
- Part A covers you for hospitalization
Yes, there is a deductible for this, which your secondary insurance provider usually covers.
- Part B covers you for medical expenses
- Covers you for doctor appointments and any durable medical goods such as a walker, crutches or splints.
- Part C- Medicare Advantage Plans
- These plans include all the parts needed for Medicare, such as Part A, Part B, and Part D, in one plan with a very low monthly premium.
- Part D-Prescription drug coverage
Covers you for your medications: great news for 2025; Medicare removed the $9000 coverage gap otherwise known as the “donut hole”. Yeah!
This year, your maximum out-of-pocket for your medications is capped at $2,000!
Do you need all parts?
Yes, Part A and Part B are known as original Medicare; this covers you for 80% of your medical costs. Most people purchase a Medicare supplement plan or a Medicare Advantage plan to cover the other 20%.
Part D covers your prescription drug costs and is a separate policy if you do not want a Medicare Advantage plan.
What if I have insurance from my employer?
No, you will apply for Part A only. When you leave your employer, you will apply for Part B.
Please contact me if you need more information. I’m here to help you understand this process.
Cathy Espinoza
Independent Insurance Agent
I’m not affiliated with any government agency
708.921.5784 cell
