Medicare

Call a Medicare Broker at Cook and Associates to help you navigate your options. 303-861-5100

If you’re nearing retirement age, or are over 65 and still working, you may have questions about Medicare.  Medicare is a national health insurance program for people 65 years of age and older, younger people with certain disabilities, and people of any age with permanent kidney failure.

There are four types of Medicare:
 

• Part A which helps cover inpatient care, skilled nursing facilities, hospice and home health care.
• Part B which helps cover medical services such as Doctors, outpatient care and other services part A doesn’t cover.  Part B has a monthly premium based on your income, along with a deductible.
• Part C Medicare Advantage Plans, are combination Part A, Part B and sometimes Part D coverage plans which are managed by private insurance companies.  These plans have their own copays, deductibles and coinsurance.  At Cook and Associates, we offer AARP Advantage plans.
• Part D is prescription Drug Coverage and is available to everyone with Medicare.  It is a separate plan Provided by Medicare approved companies and there is a monthly premium.

Many people also purchase a Medicare supplemental insurance policy to handle any Part A and B coverage gaps.