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 maze of medicare can often feel overwhelming, but together, we find understanding with clarity and ease. Serving the community in Jamestown, our agency simplifies the medicare experience for those seeking comprehensive coverage. We're here for you every step of the way, ensuring that medicare doesn’t have to be a daunting process. Whether you're newly eligible or looking to maximize current benefits, our aim is to make medicare selection straightforward and stress-free. With our dedicated team, discover how medicare can meet your healthcare needs efficiently and effectively, delivering peace of mind with every step you take.