Helping you compare options and understand your Medicare coverage choices.
Medicare can feel overwhelming, but it doesn’t have to be. At LifeCare Benefit Services, we help you review your available Medicare options and understand how each type of plan works so you can make confident, informed decisions about your health coverage.
We are not connected with or endorsed by the U.S. government or the federal Medicare program.
⭐ What Is Medicare?
Medicare is a federal health insurance program for people who are:
- Age 65 or older
- Under 65 with certain disabilities
- Living with End-Stage Renal Disease (ESRD)
Medicare includes multiple parts, each covering different services.
🧭 Your Medicare Coverage Options
✔ Medicare Part A – Hospital Insurance
Helps cover inpatient hospital stays, skilled nursing facility care, hospice care, and some home health services.
✔ Medicare Part B – Medical Insurance
Helps cover doctor visits, outpatient care, preventive services, and durable medical equipment.
✔ Medicare Advantage (Part C)
Private health plans that may include prescription drug coverage and additional benefits.
Coverage varies by plan and location.
✔ Medicare Part D – Prescription Drug Plans
Helps cover the cost of prescription medications. Plans vary by formulary and pharmacy networks.
✔ Medicare Supplement Insurance (Medigap)
Helps cover certain out-of-pocket costs not paid by Original Medicare, such as deductibles and coinsurance.
Not a replacement for Medicare and does not include prescription drug coverage.
📌 Why People Review Their Medicare Options With Us
We help you:
- Compare plan types in your area
- Understand benefits, premiums, and coverage rules
- Review prescription drug needs
- Explore coverage that fits your health needs and budget
- Avoid gaps in your healthcare coverage
Our role is to help you understand your choices so you select a plan that fits your situation.
📅 When You Can Enroll
Common Medicare enrollment periods include:
- Initial Enrollment Period (IEP) – around your 65th birthday
- Annual Enrollment Period (AEP) – Oct. 15 to Dec. 7
- Medicare Advantage Open Enrollment (MA OEP) – Jan. 1 to Mar. 31
- Special Enrollment Periods (SEPs) – for qualifying life situations
We can help you understand which enrollment periods apply to you.
🛡️ Important Compliance Notice
We do not offer every plan available in your area.
Any information provided is limited to the plans we do offer.
Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.
📞 Call 410-240-9252 too Speak With a Licensed Independent Agent about your medicare options.
Have questions about your Medicare options?
We can help you compare plans and understand how your coverage work.
🌐 LifeCareBenefitServices.com