Medicare doesn’t have to be overwhelming. Here’s a quick breakdown:

• Part A: Covers hospital stays and skilled nursing care.
• Part B: Covers doctor visits and outpatient care.
• Part C (Medicare Advantage): Combines Parts A and B, often with added benefits like dental and vision.
• Part D: Helps with prescription drug costs.

Choosing the Right Plan

• Medicare Advantage: All-in-one plans with network-based care and extra benefits.
• Medigap: Supplements Original Medicare, covering out-of-pocket costs with more provider flexibility.

Need guidance? Contact us today to find your best fit!

What Are Medicare Supplement Plans? Medicare Supplement Plans, or Medigap, help cover costs like deductibles, copayments, and coinsurance not covered by Original Medicare.

Popular Medigap Plans

• Plan F: Comprehensive coverage (available only to those eligible before 2020).
• Plan G: Covers everything except the Part B deductible.
• Plan N: Lower premiums with some cost-sharing.

Why Choose Medigap?

• Nationwide coverage.
• Predictable out-of-pocket costs.
• Freedom to choose any Medicare-accepting provider.

Need Help? Contact us to find the plan that fits your needs and budget!

What Are Medicare Advantage Plans? Medicare Advantage (Part C) plans are private plans that combine hospital, medical, and often prescription drug coverage.

Key Benefits

• Includes Parts A, B, and often D.
• Offers extras like dental, vision, and hearing.
• Caps annual out-of-pocket costs.

Plan Options

• HMO: In-network care with referrals.
• PPO: Out-of-network flexibility at higher costs.

Find Your Plan. Contact us to explore your Medicare Advantage options today!

Exciting Changes Coming in 2025 Big updates are happening to Medicare Part D in 2025 thanks to the Inflation Reduction Act:

What’s Changing?

• $2,000 Out-of-Pocket Cap: Your yearly prescription drug expenses will be capped.
• Coverage Gap Eliminated: Simplified benefit structure with no more "donut hole."
• Monthly Payment Option: Spread your drug costs across the year with the new Medicare Prescription Payment Plan.

These changes make prescription drug costs more predictable and affordable for beneficiaries.

How to Benefit? Contact us to learn how these changes impact your plan and ensure you’re maximizing your savings!

Take advantage of your insurance plan benefits to maximize your healthcare coverage and protect your financial well-being. At Fast Track Benefits & Insurance Group, we help you understand and utilize all the benefits available to you, ensuring you get the most from your plan.

Fast Track Benefits & Insurance Group helps you secure the right coverage, ensuring your medical appointments are fully protected and hassle-free. With our guidance, you'll have peace of mind knowing that your healthcare needs are met without unexpected costs or complications.

Navigating the complexities of medicare can feel overwhelming, but we are here to simplify the journey for you. At Fast Track Benefits & Insurance Group, we understand the unique needs of Black Hammock residents. We take pride in guiding you through medicare options, ensuring that you and your loved ones find the right fit. Our team is committed to personalized service, always ready to assist in making informed decisions about your medicare coverage. By building strong relationships and staying updated on medicare policies, we aim to empower our community with clarity and peace of mind. Trust us to be your partner in achieving comprehensive medicare solutions tailored specifically for you.