What is Medicare?

Medicare is an insurance program that helps to pay for medical expenses. The program is primarily for people over 65 but also serves younger disabled people and dialysis patients—those whom Medicare covers have paid into trust funds used to pay for medical bills. Patients are responsible for some of the costs, such as deductibles for hospitalization and other expenses. In addition, there is a small monthly premium for non-hospital coverage. Medicare is a federal program that is offered throughout the United States. The Centers administer it for Medicare & Medicaid Services, an agency of the federal government.

Medicare Options Explained for You

Medicare can be confusing, but your local Mosley Mutuals agent is available to help you find the best care options.

Medicare Part A

• In Patient Hospital Care

• Skilled Nursing Facilities

• Hospice Care

• Home Health Care

FAQ image

Medicare Part B

• 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)

FAQ image

Medicare Part C (Medicare Advantage)

Medicare Advantage (Part C) is another way to get your Medicare Part A and Part B coverage offered by Medicare-approved private companies.

Many Plans offer prescription drug coverage bundled into their offerings. Some plans may even offer additional benefits like Dental, Vision, and Hearing.

Some Medicare Advantage plans may limit you to a specific network of doctors and pharmacies.

FAQ image

Medicare Advantage for Veterans

Medicare Advantage (MA) is a health insurance program offered by private insurance companies approved by Medicare. MA plans must offer at least the same coverage as original Medicare, but they may also provide additional benefits, such as vision, dental, or prescription drug coverage.

As for Veterans, they may be eligible for both VA health care benefits and Medicare. VA health care benefits are available to veterans who have served in the U.S. military and meet certain eligibility criteria. VA health care benefits are separate from Medicare, and veterans can use both programs to receive health care services.

If a veteran is enrolled in Medicare and also receives VA health care benefits, Medicare may be used to supplement VA health care services. Medicare may cover services that are not covered by the VA, such as prescription drugs, or may be used to pay for services received outside of the VA system.

It's important to note that while Medicare and VA health care benefits can be used together, they do not work together as a single health insurance plan. Instead, they are separate programs with different rules and eligibility criteria.

FAQ image

Medicare Part D

• Helps cover the cost of prescription drugs (including many recommended shots or vaccines).

• You join a Medicare drug plan in addition to Original Medicare or you get it by joining a Medicare Advantage Plan (Part C) with drug coverage.

• Plans that offer Medicare drug coverage are run by private insurance companies that follow rules set by Medicare.

FAQ image

Medicare Supplemental

Medigap is Medicare Supplement Insurance that helps fill "gaps" in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies.

A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs.

Medigap policies generally don't cover:

• Long-term care

• Vision or dental services

• Hearing aids

• Eyeglasses

• Private-duty nursing

FAQ image

Ancillary Products

Ancillary health insurance plans are policies that provide coverage for healthcare services and expenses that are not typically covered by standard health insurance plans. These plans are designed to supplement primary health insurance coverage and provide additional benefits for a wide range of healthcare needs.

Some examples of ancillary health insurance plans include:

Dental insurance: This type of plan covers routine dental care, such as cleanings, fillings, and extractions, as well as more complex procedures like root canals and crowns.

Vision insurance: This plan provides coverage for eye exams, prescription glasses, contact lenses, and other vision-related expenses.

Disability insurance: This policy provides income replacement if you become unable to work due to an injury or illness.

Long-term care insurance: This coverage helps pay for the cost of long-term care services, such as nursing home care, assisted living, and in-home care.

Accident insurance: This type of policy provides financial protection in the event of an accident, covering medical expenses and lost income due to disability.

Critical illness insurance: This plan provides a lump-sum payment if you are diagnosed with a serious illness, such as cancer, heart attack, or stroke.

FAQ image

Need Help?

Mosley Mutuals LLC is here to assist you in understanding the various options available through Health and Life Insurance Products to ensure that you live a happy and comfortable life. For the most comprehensive information, we recommend speaking with one of our licensed agents in your area, who can provide details on all the options available to you.

Follow us

© Copyright 2022. Mosley Mutuals LLC. All rights reserved.


Plans and products may not be available in all areas. Certain exclusions and limitations may apply.

This Website serves as an educational invitation for you, the customer, to inquire about further information regarding your health insurance options, and submission of your contact information constitutes as permission for a Licensed Insurance Representative to contact you with further information, including complete details on cost and coverage of this insurance. Contact will be made by a licensed insurance agent/producer or insurance company.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. This is a solicitation for Insurance.

Mosley Mutuals, LLC and their agents are licensed and certified representatives of a Health and Life Insurance organization. Enrollment in any plan depends on contract renewal.