- 1-800-862-7364
- service@msfp.net
- 232 E Landis St, Coopersburg, PA 18036
Navigating the world of Medicare can feel overwhelming, especially if you’re new to the program or turning 65 soon. With multiple parts and plan types to consider, it’s important to understand how each one fits into your overall healthcare coverage.
At Main Street Financial Partners, we help individuals across the Lehigh Valley, Northampton County, Bucks County, Montgomery County, and Berks County explore their Medicare options, compare coverage, and enroll with confidence.
Medicare is divided into several parts, each serving a different purpose in your healthcare plan. While some individuals are automatically enrolled in Medicare Part A and Part B, others need to sign up manually through Social Security or SSA.gov.
Original Medicare includes two key components:
Original Medicare forms the foundation of your coverage but it doesn’t pay for everything. Typically, it covers about 80% of approved healthcare costs, leaving you responsible for the remaining 20%.
Prescription drug costs can add up quickly, making Medicare Part D an essential piece of your healthcare plan.
You can enroll in Medicare Part D through:
Having a Part D plan ensures your prescriptions are covered and helps protect against unexpected medication costs.
Since Original Medicare doesn’t cover everything, most beneficiaries add an additional insurance plan to fill the gaps in coverage.
Medigap plans help pay for out-of-pocket costs such as co-payments, coinsurance, and deductibles that Original Medicare doesn’t cover. These plans allow you to see any doctor who accepts Medicare anywhere in the U.S.
Medicare Advantage (Part C) plans are offered by private insurers and combine Part A, Part B, and often Part D into one comprehensive plan. Many include additional benefits such as:
You can enroll in either type of plan directly through a private insurance company or with assistance from Main Street Financial Partners, a Centers for Medicare & Medicaid Services (CMS) appointed health insurance marketplace serving the Lehigh Valley and surrounding areas.
Choosing the right Medicare coverage can be confusing but you don’t have to navigate it alone. The licensed advisors at Main Street Financial Partners simplify the process, ensuring you understand every option available to you.
Your choices include Original Medicare (Parts A & B), Medicare Advantage (Part C), Medicare Part D for prescription drugs, and Medigap (Supplement) coverage.
Original Medicare is government-managed and allows freedom to choose providers. Medicare Advantage is offered by private insurers and may include additional benefits like dental or vision.
Medigap helps cover out-of-pocket costs like deductibles, copayments, and coinsurance that Original Medicare doesn’t cover.
Prescription drug coverage is available through Medicare Part D or Medicare Advantage plans that include drug coverage.
It depends on your health, travel habits, and provider preferences. Medigap offers broader access, while Advantage often provides extra benefits at lower premiums.
Yes, during the Annual Enrollment Period from October 15 to December 7 each year.
Many Medicare Advantage plans include dental, vision, hearing, and wellness benefits.
Most people pay a Part B premium and may have additional premiums for Advantage, Part D, or Medigap coverage.
You can change plans during the Annual Enrollment Period or during a Special Enrollment Period if you qualify.
We provide expert Medicare enrollment help by comparing plan options, coverage benefits, and costs to ensure you find the best fit.
