Clear Insurances - Our Plan

Insurance Plans Include

Medicare Part A - Hospital

In general, Medicare Part A helps pay for inpatient care you get in hospitals, critical access hospitals, and skilled nursing facilities. It also helps cover hospice care and some home health care. The easy way we explain to clients is Part A covers the big building when you are in the emergency room or admitted.

Medicare Part B - Medical

Medicare Part B helps pay for doctors and provider visits as well as outpatient care. Preventive services or supplies that meet accepted standards of medical practice to diagnose or treat your medical condition. The easy way we explain to clients is Part B covers the clinics and providers in the hospitals. You only need Part B at the clinic, you need both Part A and B at the hospital.

Types of Insurance Plans Available

Medicare Part D - Prescriptions

Medicare drug coverage helps pay for the brand-name and generic drugs you need. It's optional and offered to everyone with Medicare by private insurance companies approved by Medicare. Even if you don’t take prescription drugs now, consider getting Medicare drug coverage to avoid paying a lateenrollment penalty if you join a plan later.

Medicare Supplement / Medigap

Medicare Supplement Insurance (Medigap) is extra insurance you can buy from a private health insurance company to help pay your share of out-of-pocket costs in Original Medicare. Generally, you must have Original Medicare (Part A and Part B) to buy this type of policy.

Medicare Part C - Medicare Advantage

Medicare health plans provide Part A (Hospital Insurance)and Part B (Medical Insurance)benefits to people with Medicare. It's an optional plan and offered to everyone with Medicare by private insurance companies approved by Medicare. The client must have Part A and B to participate in these plans. The plans cannot be used with Medicare Supplement / Medigap policies.

Most plans may include

Extra benefits, such as:
• Medicare Part D - Prescriptions
• Dental, Vision, and Hearing
• Over the counter allowances
• Gym Membership
• Transportation

Insurance Plans