FITZGERALD INSURANCE AGENCY

 

Email Us:

service@fitzgeraldinsurance.com


Call Us:

240-415-1874


We offer Medicare Supplements through United American Insurance Company. 

  1. -More than 40 years of service to seniors

  2. -One of the largest writers of Medicare Supplement insurance policies in the U.S.

  3. -No restrictions on doctors or hospitals

  4. -Guaranteed renewable as long as premiums are paid on time


Understanding Medicare

Medicare does not cover all healthcare costs. Medicare recipients are responsible for certain deductibles, copayments, and out‐of‐pocket expenses under both Medicare Part A and Medicare Part B.

Medicare is health insurance for people age 65 or older, under age 65 with certain disabilities, and any age with End‐Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant). Medicare covers certain medical services and supplies in hospitals, doctors’ offices, and other healthcare settings. Services are either covered under Medicare Part A (Hospital Insurance) or Medicare Part B (Medical Insurance). Medicare Part A enrollment is automatic through Social Security, and it is premium free for most people. Part A covers expenses related to hospital room and board, other costs associated with confinement, care in a skilled nursing facility, some home health, and hospice and respite care. If an individual does not meet Medicare Part A eligibility requirements – the individual or spouse having at least 40 or more quarters of Medicare‐covered employment – the individual may be able to enroll in Medicare Part A hospital insurance by paying a monthly premium.

Enrollment in Medicare Part B is optional. The federal government requires a monthly premium that is subtracted from an individual’s Social Security check. Medicare Part B covers doctor and surgeon fees, most lab tests and X‐rays performed outside the hospital, and outpatient treatment.




The Centers For Medicare & Medicaid Services publishes a guide to Medicare, ‘Medicare & You’, also referred to as a Medicare Buyer’s Guide. ‘Medicare & You’ is updated annually. United American has printed copies available at no cost to Agents. The Agent is required to provide every Medicare Supplement applicant a copy at the time of application. Agents should use ‘Medicare & You’ as a training/reference tool to understand the benefits of the Medicare Program.



Medicare Supplement Insurance

Medicare Supplement insurance policies are standardized by the federal government, meaning the coverage/benefits are the same no matter which insurance company sells them. Premiums/rates vary by company. Depending on the plan selected, coverages pay various Medicare deductibles, coinsurances, and other medical expenses not covered by Medicare. However, insurers’ rates and services vary, which makes it very important for Seniors to shop carefully to get the best value for their dollars.

United American offers standardized plans A, B, C, D, F, HDF, G, K, L, and N. An Outline of Coverage details the benefits of the Medicare plans and the Medicare supplement policy benefits. Outlines of Coverage are updated annually and are usually state specific. Download and print Outlines from the Compliance Sheet online. The Agent is required to provide every Medicare Supplement applicant a copy of the Outline of Coverage at the time of application. Agents should use the Outline of Coverage as a training/reference tool to understand the benefits of the Medicare Program and the benefits of the Medicare Supplement policy.


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