Brian Barto - Your Local Medicare Specialist

Licensed Insurance Professional NPN: 17337852

Open Enrollment Ends December 7th Find your Medicare Plan 

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A no cost yearly medicare plan review can save you time and money

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Our Commitment to You:

  • Personalized Medicare Guidance: We offer one-on-one consultations to help you understand your options and make informed decisions.

  • Comprehensive Plan Comparisons: We analyze and compare different Medicare plans to find the best fit for you.

  • Ongoing Support: From initial enrollment to annual reviews, we’re with you every step of the way.

  • Expert Assistance: Our team is knowledgeable and up-to-date with the latest Medicare policies and changes.

Call Us today to make your FREE consultation appointment.

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FAQ

Frequently Asked Questions

You usually don’t pay a monthly premium for Part A coverage if you or your spouse paid Medicare taxes while working for a certain amount of time.

Copayments, coinsurance, and deductibles may apply for each of the services covered by Part A.

In 2024, the standard monthly premium for Medicare Part B is $174.70, and the annual deductible is $240.

The amounts you pay for each service covered by Part A or Part B will depend on whether you have just Original Medicare, a Medicare Advantage Plan or a Medicare Supplement Plan.

Part A (Hospital Insurance) Helps cover:

• Inpatient care in hospitals

• Skilled nursing facility care

• Hospice care

• Home health care

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)

Part D (Drug coverage) Helps cover the cost of prescription drugs (including many recommended shots or vaccines). Plans that offer Medicare drug coverage are run by private insurance companies that follow rules set by Medicare.

 

When you first enroll in Medicare and during certain times of the year, you

can choose how you get your Medicare coverage. There are 2 main ways to

get Medicare:

Original Medicare (Option 1)

• Original Medicare includes Medicare

Part A (Hospital Insurance) and

Part B (Medical Insurance).

• If you want drug coverage, you can join a separate Medicare drug plan

(Part D).

• To help pay your out-of-pocket costs in Original Medicare (like your 20%

coinsurance), you can also shop for and buy supplemental coverage.

• Can use any doctor or hospital that takes Medicare, anywhere in the U.S.

Medicare Advantage (Option 2)

(also known as Part C)

• Medicare Advantage is an “all in one” alternative to Original Medicare. These “bundled” plans include Part A, Part B, and usually Part D.

• Plans may have lower out-of-pocket costs than Original Medicare.

• In many cases, you’ll need to use doctors who are in the plan’s network.

• Most plans offer extra benefits that Original Medicare doesn’t cover—like

vision, hearing, dental, and more.

Our Team

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Brian Barto

Naghmeh Yazdzad

John Moore

Martin Rabone

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