We ensure the quality
medicare
We ensure the quality
medicare
Parts of Medicare
MEDICARE PART A
(Hospital Insurance)
Medicare Part A covers inpatient hospital care, including semi-private rooms, meals, and nursing services. It also helps pay for short-term skilled nursing facility (SNF) care and home health services when medically necessary and following a hospital stay. Hospice care is included for individuals with a terminal illness, offering palliative care, counseling, medical equipment, and short-term respite for caregivers. While Part A covers many essential services, it does not pay for long-term custodial care or extended nursing home stays. Those wanting coverage for future long-term care needs may consider private insurance options like long-term care insurance.
MEDICARE PART B
(Medical Insurance)
Medicare Part B covers a wide range of outpatient and preventive services, including doctor visits, lab work, outpatient care, and medically necessary home health services. It also includes durable medical equipment like wheelchairs and walkers. Preventive benefits—such as annual “Wellness” visits, vaccines, and screenings—help detect issues early. Part B covers certain hospital-related services like surgeries, chemotherapy, dialysis, and diagnostic imaging. It also pays for drugs administered in clinical settings, including infusions and insulin used with a pump. Overall, Part B is essential for managing ongoing health needs and promoting long-term wellness through early detection and regular care.
MEDICARE PART D
(Drug coverage):
Medicare Part D helps cover the cost of prescription drugs. It’s available through standalone prescription drug plans or Medicare Advantage Plans that include drug coverage. These plans are offered by private insurance companies approved by Medicare and must follow its guidelines. Coverage varies by plan, including the list of covered drugs (formulary), costs, and pharmacy networks. Part D helps reduce out-of-pocket expenses for both generic and brand-name medications. To avoid a late enrollment penalty, it’s important to sign up when first eligible unless you have other credible drug coverage. Reviewing plans annually ensures your medications remain covered affordably.
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
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
COMPANY
INQUIRIES
LEGAL
© 2025. Turner Insurance. All Rights Reserved.
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
📍 389 Palm Coast Pkwy SW, Suite 3-R,
Palm Coast, FL 32137
© 2025 Turner Insurance. All Rights Reserved.
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
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Top-notch services.
COMPANY
INQUIRIES
LEGAL
© 2025. Turner Insurance. All Rights Reserved.
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
📍 389 Palm Coast Pkwy SW, Suite 3-R,
Palm Coast, FL 32137
© 2025 Turner Insurance. All Rights Reserved.
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