Medicare Insurance in Rocky Point, NY
Your health, wellness, quality of life and financial security can all hinge on having sufficient health insurance. While there are several ways to make sure you’ve retained appropriate coverage, Medicare may be a particularly cost-effective option. However, these policies can be complicated and require careful attention to detail. At Metro Insurance Agency, we’re happy to help.
How Medicare Works 
Medicare is a government-sponsored program that helps eligible individuals acquire and maintain health insurance, often at lower rates than they might find on the Health Insurance Marketplace or through other means.
Not all Medicare plans are the same, so you should be aware of various options and how they might offer different types of coverage. Specifically, Medicare consists of the following parts:
- Medicare Part A, also known as hospital insurance, can cover many common services, including hospital stays, hospice care and nursing facility costs. It’s often free for those who have worked and paid into Medicare taxes for at least 10 years.
- Medicare Part B, also known as medical insurance, can cover additional health care services and products, including doctor visits, outpatient care, preventive services and medical devices and equipment. Most people pay income-based premiums.
- Medicare Part C, also known as Medicare Advantage, can include coverage from Parts A and B, while often including additional benefits, such as for prescription drugs and vision, hearing and dental coverage.
- Medicare Part D, also known as prescription drug coverage, can help policyholders with Parts A and B by providing financial assistance for prescription medications.
Who Is Eligible?
Medicare is generally available for people who are at least 65 years old. Additionally, those with qualifying disabilities or certain health conditions, such as ALS, can qualify for coverage. To acquire a policy, you’ll need to do so during annual open enrollment. You may also qualify for a special enrollment period, such as if you lose access to other health coverage, get married or divorced or move to a different state.
We’re Here to Help
At Metro Insurance Agency, we’re proud to help individuals and families understand and secure health insurance through Medicare. Contact us today to learn more.