Medicare can be complicated, but not for

Covenant Medicare

Covenant Medicare advisors will explain the Medicare maze to you, help you choose the right coverage for your situation, and help you with the enrollment process, ALL at no direct cost to you.

Need Medicare? We Can Help

Where our office is located in Montgomery County, OH, there are 63 Medicare Advantage plans and 23 prescription drug plans. We can help you sort through all of that confusion and arrive at a plan that works for you.

With every paycheck of your working life you have paid into the Medicare system, let us help you get the most out of what you have earned!

What is Medicare?

Medicare is a federal health insurance program designed to help qualified individuals with certain medical costs. To qualify for Medicare, you must be aged 65 or older or meet the alternative eligibility requirements.

On July 30, 1965, President Lyndon B. Johnson signed Original Medicare into law. Harry Truman was the first Medicare beneficiary. Medicare Parts A and B began on January 1, 1966.

Part A:

  • Hospital Services
  • Skilled Nursing Facility
  • Home Care (limited to medical only)
  • Hospice

Part B:

  • Doctor Services
  • Outpatient Hospital Services
  • Durable Medical Equipment
  • Injected or Infused Therapeutic Drugs

On June 24, 1997

President William Clinton signed the Balanced Budget Act of 1997 into law introducing what would later be named Medicare Advantage under the name Medicare+Choice.

Part C (Medicare Advantage):

  • A private individual medical plan
  • Provides additional benefits not available with Original Medicare
  • Does not replace your Medicare
  • Pays your medical expenses instead of Medicare
  • Must be entitled to Part A and Part B
  • Must live within the service area of the plan you wish to enroll

On December 8, 2003

George W. Bush signed into law the Medicare Modernization Act which created the Medicare prescription drug plan (Part D) and expanded Medicare Advantage. Part D went into effect on January 1, 2006.

Part D:

  • Available to anyone enrolled in Part A or Part B
  • Part D is optional; provided by private insurance companies
  • Monthly premiums vary by plan ($33.37 – national base premium in 2022)
  • Only allowed to have one Part D plan at a time

As the popularity of Medicare Advantage has grown,

The plan has enjoyed bipartisan support in Washington, DC. This has continued to expand the benefits available and adding to the Medicare maze.

When deciding on a Medicare plan, the first decision a beneficiary needs to make is will they choose Original Medicare along with a supplement and a standalone Part D plan, OR will they choose a Medicare Advantage plan.

With each paycheck you have earned over your life, both you and your employer were paying into the Medicare system. Let Covenant Medicare help you choose the plan that works best for your situation and help you reap the rewards of the benefits you have EARNED.

Have Medicare Questions? We Have Answers!

Reach out to our team of Medicare experts today to learn more about how we can help you get the Medicare coverage you need.

We can help you find a plan that works for you