Congratulations!  You've made it to Medicare. 

Medicare consists of 2 parts,  A, B   and as I am sure you've heard,  Medicare has some glaring deficiencies.  For instance:

• There is no limit to your expenses with Medicare.  You are responsible for 20% of your medical bills with Medicare.  Most medical insurance plans place an annual limit on your out of pocket expenses.  Medicare does not.
  
  
• Medicare has huge deductibles for Hospitalization.  If hospitalized under Medicare you are responsible, for a a $1,024 CO-payment.  After 60 days you pay $256 per day for the next 30 days,  then it  increases to $512  per day until day 150.
  
  
• Medicare does not cover Annual Physicals.  Early detection is always the best cure (we all know that), but with Medicare, you get one physical, that must be done within 90 days of going  on Medicare.
  
  
• Medicare does not cover Prescriptions,  unless you choose a Part D provider.
  
  
• Medicare does not cover Dental or Vision
  
  
• Medicare does not work outside the United States
  
  
• Medicare does not cover Custodial Nursing Care

Because of this, most Medicare recipients  choose some form of Medicare Supplemental Insurance program.

At All Star Financial, we offer a variety of Medi-gap Insurance plans with providers like: AARP, Secure Horizons, Regence Blue Shield, Cigna, Wellcare, Essence, Group Health & more.

Contact me for more information. Email me.