... Taking the mystery out of Medicare

What Makes MedicareMall different?

Since 1989, we've offered a wide selection of brands, ensuring customers have diverse options. Our commitment to exceptional service includes free consultations with meticulous attention to detail, guided by our motto 'Do as you would for your mother.' During consultations, we perform a concise needs analysis, gathering essential information such as physicians, prescriptions (dosage and frequency), special needs, and travel arrangements. To determine the best plan recommendations, our proprietary software evaluates all available options specific to your zip code and/or county...

What Are The Parts of Medicare?

Medicare has four parts: Part A covers in-patient hospital costs. Part B handles medical expenses including doctor visits and outpatient surgery with a monthly premium of $164.90, Part C (Medicare Advantage) offers the same benefits as Original Medicare through private insurance companies, and prescription drug benefits are typically included. Part D (prescription drug plans) are also made available through private insurance companies and can be utilized as a stand-alone plan or integrated into your Medicare Advantage Plan...

What is Medigap?

Medigap, also known as Medicare Supplement Insurance, fills gaps in original Medicare by covering costs that Medicare doesn't fully pay for. To qualify, you need to be enrolled in both Medicare Part A and Part B. You would then need to determine if a Medicare Part D prescription drug plan makes sense. Medicare's coverage is limited, with increasing costs and declining benefits over time. Medigap insurance addresses these gaps and offers additional coverage...

 What sets Medicare Advantage Apart From Original Medicare?

Medicare Advantage plans, unlike Original Medicare, are managed care plans. The two most common plan types are the HMO and PPO. The HMO plan type restricts your services to Hospitals, clinics, physicians, and other healthcare professionals within the HMO network. PPO on the other hand have both preferred and non-preferred providers allowing you to use providers in or out of network. This gives you more freedom and flexibility, but in some cases, your out-of-network costs may be higher...

How do I Choose Between Medicare Advantage and Medigap?

Both Medicare Advantage and Original Medicare with supplemental coverage are effective options, each offering different levels of coverage. Medicare Advantage plans provide additional benefits not found in Original Medicare with supplemental coverage, and some even have lower out-of-pocket maximums compared to the federally permitted limit. There is no definitive answer as to which option is better, as it depends on individual needs and preferences. Consulting with a qualified broker can help determine the best choice for each individual...

Is Dental Covered?

Medicare doesn't cover routine dental care, only necessary expenses related to other medical procedures, making it challenging to find affordable dental coverage, including in Medicare Advantage plans. Despite annual benefit caps of $1,000 to $3,000, having some coverage is beneficial for preventive care and reducing untreated dental problems. Medicare Advantage, an alternative to Original Medicare, is expected to include dental coverage in 94% of plans by 2022. When considering the switch, it's crucial to consider the advantages and disadvantages, as dental benefit caps in Medicare Advantage plans are typically below $1,300, with many enrollees having caps under $1,000...