Nevada Medicare open enrollment started on October 15th and ends on December 7th. Medicare is health insurance for people 65 or older, people under 65 with certain disabilities, and people of any age with End-Stage Renal Disease (ESRD). ESRD is permanent kidney failure requiring dialysis or a kidney transplant.
“Nevada Medicare, or any type of health insurance, can be complicated to say the least. Our job is to research the very best options available in the marketplace and make suggestions. We remove all the insurance jargon and explain benefits in simple English. This way clients can be comfortable in making the right choice,” states Frank Arbizu President of Nevada Health Insurance Specialists.
Nevada Health Insurance Specialists, based in Las Vegas,have affiliations with all the major insurance companies. Unlike many other insurance agencies they are not restricted to any particular insurance company. This freedom allows them to provide the best options at affordable pricing that meets the unique needs of each individual client.
Arbizu explains, “Nevada Medicare benefits are divided into 4 parts. Each part covers different kinds of medical treatments. The most often used Medicare parts are A, B, C (also known as Medicare Advantage) and D. There are certain healthcare costs that Medicare does not cover. Most dental care, cosmetic surgery and hearing aids are some examples.”
Medicare Part A covers inpatient care in hospitals, skilled nursing facility care, hospice care and home health care.
Part B includes services from doctors and other health care providers, outpatient care, home health care, durable medical equipment and many preventive services.
Part C includes all benefits and services covered under Part A and Part B. It usually includes Medicare prescription drug coverage (Part D) as part of the plan
Medicare Part D helps cover the cost of prescription drugs operated by approved private insurance companies. These companies follow rules set by Medicare. It may help lower your prescription drug costs and protect against higher costs in the future.
Nevada Medicare is an insurance plan, and like any other, it doesn’t pay for everything. It only pays a percentage of expenses leaving the patient responsible for the remainder. This amount and any deductable depends on the plan chosen.
Arbizu continues, “Depending on the plan you choose and your income level, you may also need to pay some costs such as monthly premiums.”
“If you have worked 40 quarters, usually 10 years in the United States, you may not have to pay the Part A premium. In 2016, the standard Part B monthly premium was $121.80. This amount could be higher or lower depending on your income.”
“The Nevada Medicare system was designed to be simple, but in reality, confuses many seniors. We simplify the process for beneficiaries and those that are researching plans on behalf of their parents,” concludes Arbizu.
For more information on Nevada Medicare, Frank Arbizu may be reached directly at 702-573-7766 or visit the company website at http://www.NevadaHealthInsuranceSpecialists.com
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