Medicare Part A Coverage
Serving Brooksville, Florida & Surrounding AreasAt Hamilton Insurance Agency, we specialize in helping seniors and eligible individuals in Brooksville and beyond understand and enroll in Medicare Part A—the hospital insurance portion of Original Medicare. Our dedicated team ensures that you have clear, accurate information to make confident healthcare decisions.
What Is Medicare Part A?
Medicare Part A is your hospital insurance, and it's a foundational part of Original Medicare. It helps cover costs associated with inpatient hospital care, skilled nursing facility care, hospice care, and some home health services. Most people qualify for premium-free Part A if they (or their spouse) have worked and paid Medicare taxes for at least 10 years.
What Does Medicare Part A Cover?
Inpatient Hospital Care- Semi-private room, meals, general nursing, and other hospital services and supplies.
- Coverage includes critical access hospitals, inpatient rehabilitation facilities, and mental health care (up to 190 days in a lifetime in a psychiatric hospital).
- After a qualifying hospital stay (3 consecutive days), Part A helps cover short-term SNF care.
- Includes nursing care, rehabilitation, and meals.
- For terminally ill patients with a life expectancy of 6 months or less.
- Covers pain relief, symptom management, and support services for both the patient and their family.
- Part-time skilled nursing care, physical therapy, and speech-language pathology services.
- Covered only if you meet specific criteria and your doctor certifies the need.
Why Choose Hamilton Insurance Agency?
At Hamilton Insurance Agency, we pride ourselves on local, personalized service. We are based right here in Brooksville, Florida, and have deep roots in the community. When you work with us, you get:- One-on-one consultations with licensed Medicare experts
- Help comparing Medicare options tailored to your needs and budget
- Assistance with enrollment and ongoing support
- A local team that’s always here when you need us
Medicare Part B Coverage
Serving Brooksville, Florida & Surrounding AreasAt Hamilton Insurance Agency, we help clients in Brooksville and the surrounding areas understand and enroll in Medicare Part B— the medical insurance portion of Original Medicare. Our knowledgeable team will guide you through what Part B covers, how much it costs, and how it fits into your overall Medicare plan.
What Is Medicare Part B?
Medicare Part B is medical insurance that helps cover services from doctors and other healthcare providers, outpatient care, home health care, durable medical equipment (DME), and many preventive services. While most people pay a monthly premium for Part B, it’s an essential part of your Medicare coverage that complements Part A.
What Does Medicare Part B Cover?
Doctor and Outpatient Services- Office visits with primary care physicians and specialists.
- Outpatient surgeries, diagnostic tests, and emergency room visits.
- Annual wellness exams, flu shots, cancer screenings, and more.
- Helps detect illnesses early, when treatment is most effective.
- Includes wheelchairs, walkers, hospital beds, and oxygen equipment.
- Must be medically necessary and prescribed by your doctor.
- Limited part-time skilled nursing and therapy care in your home.
- Must meet specific conditions to qualify for coverage.
What Medicare Part B Doesn’t Cover
- Prescription drugs (covered under Part D).
- Routine dental, vision, and hearing care.
- Long-term or custodial care.
Why Choose Hamilton Insurance Agency?
At Hamilton Insurance Agency, we bring local expertise and personalized service to every client. Based in Brooksville, Florida, we understand the unique needs of our community and go above and beyond to support our Medicare clients.
Medicare Part C (Medicare Advantage) Coverage
Serving Brooksville, Florida & Surrounding AreasHamilton Insurance Agency is proud to offer guidance and support to clients exploring Medicare Part C, also known as Medicare Advantage. Based in Brooksville, Florida, our licensed professionals help you navigate your options and find a plan that fits your healthcare needs and budget.
What Is Medicare Part C?
Medicare Part C, or Medicare Advantage, is an alternative to Original Medicare. These plans are offered by private insurance companies approved by Medicare. They include all the benefits of Part A and Part B and often provide additional coverage like prescription drugs, vision, dental, and wellness programs.
What Does Medicare Part C Cover?
All Part A and Part B Benefits- Hospital care, medical services, and preventive care.
- Same protections as Original Medicare with added convenience.
- Most Medicare Advantage plans include prescription drug coverage.
- Helps you manage and reduce out-of-pocket medication costs.
- May include dental, vision, hearing, fitness memberships, and more.
- Tailored to meet your lifestyle and wellness goals.
Types of Medicare Advantage Plans
- Health Maintenance Organization (HMO)
- Preferred Provider Organization (PPO)
- Private Fee-for-Service (PFFS)
- Special Needs Plans (SNP)
Why Choose Hamilton Insurance Agency?
Choosing the right Medicare Advantage plan can be overwhelming—but it doesn’t have to be. At Hamilton Insurance Agency, we bring clarity and peace of mind to every decision.- Local, one-on-one support from experienced Medicare advisors.
- Assistance comparing multiple plans side-by-side.
- Help with enrollment and understanding your benefits year-round.
Medicare Part D (Prescription Drug Coverage)
Serving Brooksville, Florida & Surrounding AreasAt Hamilton Insurance Agency, we help individuals in Brooksville and nearby communities understand and enroll in Medicare Part D—coverage designed to help reduce the cost of prescription medications. Our team will walk you through your plan options, ensuring your medications are covered at the best possible value.
What Is Medicare Part D?
Medicare Part D is a standalone prescription drug plan (PDP) offered through private insurance companies approved by Medicare. It helps cover the cost of prescription drugs, including many generic and brand-name medications. Part D can be added to Original Medicare or may be included in some Medicare Advantage (Part C) plans.
What Does Medicare Part D Cover?
Prescription Medications- Covers a wide range of commonly prescribed drugs.
- Each plan has a formulary (drug list) categorized by tiers that affect cost.
- Includes vaccines like shingles, Tdap, and others not covered by Part B.
- Improves protection against preventable diseases.
Costs and Coverage Details
- Monthly premiums vary by plan and provider.
- Copayments, deductibles, and coinsurance may apply depending on the drug tier.
- Coverage $2,000 annual cap on out-of-pocket prescription drug expenses.
Why Choose Hamilton Insurance Agency?
Selecting the right Medicare Part D plan is about more than just pricing—it’s about making sure your medications are covered affordably and conveniently. That’s where we come in.- Licensed, local advisors who understand your health and budget needs.
- Help reviewing formularies and comparing plan options.
- Annual plan review to ensure you stay on the best available plan.
- Trusted Medicare support for Brooksville and surrounding Florida communities.
Special Needs Plans (SNPs)
Serving Brooksville, Florida & Surrounding AreasAt Hamilton Insurance Agency, we offer expert guidance on Medicare Special Needs Plans (SNPs) to ensure that individuals with unique healthcare needs receive tailored coverage. Our experienced team in Brooksville is here to match you with a plan that fits your medical conditions, income level, or living situation.
What Are Special Needs Plans (SNPs)?
SNPs are a type of Medicare Advantage (Part C) plan designed for individuals with specific healthcare needs. These plans limit membership to people who meet certain criteria and offer specialized benefits, provider networks, and drug formularies to serve those needs more effectively.
Types of Special Needs Plans
Chronic Condition SNP (C-SNP)- For individuals with specific chronic conditions such as diabetes, heart disease, COPD, and more.
- Tailored care coordination and drug coverage for the condition.
- For individuals who are eligible for both Medicare and Medicaid.
- Coordinates benefits and reduces out-of-pocket costs for low-income individuals.
- For people living in nursing homes or other long-term care facilities.
- Provides access to a network of healthcare providers familiar with institutional care.
Key Features of SNPs
- Comprehensive Medicare coverage (Part A, B, and usually D).
- Care coordination and case management services.
- Specialized provider networks and personalized treatment plans.
Why Choose Hamilton Insurance Agency?
Navigating Special Needs Plans requires attention to detail and compassion. At Hamilton Insurance Agency, we’re committed to helping you or your loved one get the care and coverage needed for a better quality of life.- Local Medicare experts based in Brooksville, FL.
- Personalized plan recommendations based on eligibility and health conditions.
- Support with enrollment, plan changes, and ongoing service.
- Trusted guidance for individuals and caregivers alike.
Dental, Vision & Hearing Coverage in Medicare
Serving Brooksville, Florida & Surrounding AreasAt Hamilton Insurance Agency, we understand that maintaining your dental, vision, and hearing health is vital to your overall well-being. While Original Medicare (Part A and Part B) does not typically cover these services, there are several ways to get the additional coverage you need.
Does Original Medicare Cover Dental, Vision, or Hearing?
Original Medicare offers limited or no coverage for routine dental, vision, or hearing services. This includes services like cleanings, exams, eyeglasses, contact lenses, and hearing aids.
- Dental: Not covered unless part of a medically necessary procedure (e.g., jaw surgery).
- Vision: No coverage for routine eye exams, glasses, or contacts (except after cataract surgery).
- Hearing: Does not cover hearing exams or hearing aids.
How Can You Get Dental, Vision, and Hearing Coverage?
- Medicare Advantage (Part C): Many plans offer built-in dental, vision, and hearing benefits.
- Standalone Plans: You can purchase separate dental, vision, and hearing insurance policies.
- Discount Programs: Some plans offer discount cards or networks that help reduce costs on services.
Why Add This Coverage?
- Maintain better long-term health and independence.
- Prevent costly problems with early detection and regular care.
- Gain peace of mind knowing your routine needs are covered.
Why Choose Hamilton Insurance Agency?
Hamilton Insurance Agency is your trusted resource for comprehensive Medicare guidance. We help you explore and compare all your options for dental, vision, and hearing coverage that complements your Medicare plan.- Experienced local advisors in Brooksville, FL.
- Access to a wide range of plan options and carriers.
- Personalized recommendations based on your health and lifestyle needs.
- Ongoing support with claims, renewals, and questions.
Veterans & TRICARE Benefits with Medicare
Serving Brooksville, Florida & Surrounding AreasAt Hamilton Insurance Agency, we proudly support our veterans and military families. If you have VA benefits or TRICARE, it’s important to understand how these programs work with Medicare. Our team in Brooksville helps you coordinate your coverage so you can get the care you need without unnecessary costs or confusion.
Medicare and VA Benefits
Veterans who qualify for both Medicare and VA benefits can use either system depending on where they receive care. However, Medicare does not cover services received at VA facilities, and VA benefits do not pay for care at non-VA facilities that accept Medicare. Having both allows more flexibility in choosing doctors and hospitals.
- VA benefits cover care at VA facilities only.
- Medicare is recommended to ensure coverage at non-VA hospitals or doctors.
- Having both can help reduce out-of-pocket expenses.
TRICARE for Life (TFL) and Medicare
TRICARE for Life acts as a secondary payer to Medicare. When enrolled in both, Medicare pays first, and TRICARE pays what Medicare does not cover, reducing your out-of-pocket costs. You must be enrolled in both Part A and Part B to keep TRICARE for Life.
- TRICARE for Life works with Medicare to provide comprehensive coverage.
- You must be enrolled in Medicare Part A and Part B to maintain TFL eligibility.
- No additional premiums for TFL, but you do pay the standard Medicare Part B premium.
Why Combine Medicare with VA or TRICARE?
- Get broader access to care inside and outside the VA system.
- Reduce out-of-pocket costs by having secondary coverage.
- Ensure coverage for emergency services outside VA or military facilities.
Why Choose Hamilton Insurance Agency?
We honor your service by helping you make the most of your earned benefits. Hamilton Insurance Agency offers personalized support to veterans and military families navigating Medicare alongside VA or TRICARE coverage.- Local advisors with experience in military benefit coordination.
- Clear explanations of how your benefits work together.
- Help enrolling in Medicare while maintaining TRICARE or VA coverage.
- Trusted support for veterans throughout Brooksville and surrounding areas.
