Medicare advantage — Stamford, CT

Supplemental Medicare insurance, often referred to as Medigap, works with Original Medicare (Part A and Part B) to help cover some of the healthcare costs that Original Medicare doesn't pay for, such as deductibles, copayments, and coinsurance. These policies are sold by private insurance companies. They are designed to 'supplement' Original Medicare, not replace it. If you're in Stamford and considering Medigap, it's important to understand how it differs from Medicare Advantage plans.

The Medicare Savings Program (MSP) helps low-income Medicare beneficiaries pay for their Medicare premiums, deductibles, and copayments. There are different levels of MSP, depending on your income and resources. For example, the Qualified Medicare Beneficiary (QMB) program can help pay for Part A and Part B premiums, deductibles, and coinsurance. These programs are administered by state Medicaid agencies. If you're in Stamford and think you might qualify, we can provide information on how to apply.

Medicare Part A is the part of Medicare that covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. Most people do not have to pay a monthly premium for Part A if they or their spouse paid Medicare taxes while working for at least 10 years. If you don't meet these requirements, you may have to pay a monthly premium. Understanding Part A is a foundational step for anyone in Stamford navigating their Medicare options.