MEDICARE COVERAGE
Find the perfect Medicare coverage for your needs
MEDICARE COVERAGE
Medicare is a federal health insurance program for individuals 65 and older, as well as those under 65 with certain disabilities or medical conditions. At McKay Insurance Service, we guide you through the enrollment process and help you understand what coverage you qualify for. Below, you’ll find a breakdown of the different Medicare options available, so you can make informed decisions with confidence.
MEDICARE SUPPLEMENT
Medicare Supplement plans, also called Medigap, help cover the costs that Original Medicare doesn’t—like deductibles, copayments, and coinsurance. Offered by private insurers, these plans work alongside your Medicare Part A and B coverage.
Medigap plans are standardized by letter (such as Plan G or Plan N), so benefits stay the same across carriers, though premiums may vary. They don’t include prescription drug coverage, so a separate Part D plan is needed. With a Medigap plan, you can see any doctor nationwide who accepts Medicare—no networks or referrals required.
MEDICARE ADVANTAGE AND
HOSPITAL INDEMNITY
Medicare Advantage plans combine Medicare Parts A and B into one package, often adding extra benefits like prescription drugs and dental coverage. They usually require using a network of providers and may have lower premiums.
Hospital Indemnity plans offer cash benefits if you’re hospitalized, helping cover costs that Medicare or Medicare Advantage might not fully pay.
PRESCRIPTION DRUG PLAN
Prescription Drug Plans help cover the cost of medications and are available to anyone with Medicare. These plans work alongside Original Medicare or Medicare Supplement coverage, providing affordable access to the prescription drugs you need. Each plan varies in the drugs covered and costs, so it’s important to choose one that fits your medication needs and budget.
Our agents are highly trained and experienced in their field, staying up-to-date with the latest changes to ensure you receive expert guidance and personalized support every step of the way.
Finding the right coverage can be quite difficult, which is why we recommend contacting a knowledgeable agent at (816) 259-5143.