We ensure the quality

medicare

Parts of Medicare

MEDICARE PART A

(Hospital Insurance)

Helps cover inpatient care in hospitals, skilled nursing facility care, hospice care, and home health care.

MEDICARE PART B

(Medical Insurance)

Helps cover: Services from doctors and other health care providers. Outpatient care. Home health care. Durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment). Many preventive services (like screenings, shots or vaccines, and yearly “Wellness” visits)

MEDICARE PART D

(Drug coverage):

Helps cover the cost of prescription drugs. You join a Medicare drug plan in addition to Original Medicare, or you get it by joining a Medicare Advantage Plan with drug coverage. Plans that offer Medicare drug coverage are run by private insurance companies that follow rules set by Medicare.

Medicare Choices

Before choosing a plan we want to be sure you know the difference between your many options; In particular how Medicare Supplement Insurance Plans and Medicare Advantage Plans differ. Many people sign up for Medicare Advantage Plans thinking they are Medicare Supplement Insurance Plans, they are not.

MEDICARE SUPPLEMENT PLANS

A Medicare Supplement Insurance Plan is used with original Medicare.

Any caregiver that accepts Medicare will take a Medicare Supplement Insurance Plan because they only need to bill Medicare. Medicare pays their part (generally 80% of Medicare covered benefits) and sends the remainder of the bill to the Supplement which pays their part (generally 20%).

It is important to note that Medicare Supplement Insurance Plans do NOT include Prescription Drug Coverage (Part D, PDP) and for those that do not get a PDP when first eligible there will be a penalty when they do get a PDP. (there are exceptions to this)

A Medicare Supplement Insurance Plan does not change year to year (although the cost does generally go up the coverage does not change).

MEDICARE ADVANTAGE PLANS

Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are an “all in one” alternative to Original Medicare. These “bundled” plans include Part A (Hospital Insurance), Part B (Medical Insurance), and usually Part D (Medicare drug coverage). Medicare Advantage Plans are offered by private companies approved by Medicare, and if you join one, you still have Medicare.


Plans may have lower out-of-pocket costs than Original Medicare. Medicare Advantage Plans must cover everything that Original Medicare does. Most plans offer extra benefits that Original Medicare doesn’t cover – like vision, dental, hearing, transportation, and more.

MEDICARE RX DRUG PLANS

Medicare Prescription Drug Plan

(Part D).

These plans (sometimes called "PDPs") add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.

Each Medicare Prescription Drug Plan has its own list of covered drugs (called a formulary). Many Medicare drug plans place drugs into different "tiers" on their formularies. Drugs in each tier have a different cost.

A drug in a lower tier will generally cost you less than a drug in a higher tier. In some cases, if your drug is on a higher tier and your prescriber thinks you need that drug instead of a similar drug on a lower tier, you or your prescriber can ask your plan for an exception to get a lower copayment.

By Appointment Only

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Palm Coast, Florida 32137

(386) 282-7888
[email protected]

📍 389 Palm Coast Pkwy SW, Suite 3-R, Palm Coast, FL 32137

© 2025 Turner Insurance. All Rights Reserved.

📍 389 Palm Coast Pkwy SW, Suite 3-R, Palm Coast, FL 32137

© 2025 Turner Insurance. All Rights Reserved.

Privacy Policy

Privacy Policy. We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 75 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. This is a proprietary website and is not associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at
http://www.medicare.gov

We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 75 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. This is a proprietary website and is not associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov