• Helping St. Louis Seniors with Medicare & Medicare Health Programs

    Upon turning 65, seniors have the ability to receive their healthcare through Medicare. While this is a great tool to use to receive the coverage you need, it can sometimes be complicated to understand the options and figure out what you need. That’s why we’re here – at Bi-State Insurance Solutions, we’ve helped over 10,000 people enroll in Medicare benefits right here in the St. Louis area. Read below for more information about specific parts of Medicare.

  • Medicare Part A

    Medicare Part A is part of traditional Medicare coverage that covers hospital stays and in-patient care, which means anytime you’re treated in a hospital or medical facility where you must be admitted. Additionally, Part A coverage includes the following:

    • Semi-Private Room
    • Hospital Meals
    • Nursing Services
    • Intensive Care
    • Critical Care
    • Drugs
    • Medical Supplies
    • Lab Tests
    • X-Rays
    • Operating Room Costs
    • Recovery Room Costs
    • Rehab Services
    • Part-Time Home Care
    • Hospice for the Terminally Ill
  • Medicare Part B

    Medicare Part B is the other part of traditional Medicare coverage that covers doctors’ visits and outpatient care. This means that any routine medical exam or visit is covered by this part of your plan. Part B includes access to:

    • Doctor Visits
    • Annual Wellness Visit
    • Preventive Services
    • Flu Shots & Vaccines
    • Mammograms
    • Lab Services
    • X-Rays & Tests
    • Physical Therapy
    • Occupational Therapy
    • Speech-Language Pathology
    • Mental Health Care
    • Medical Equipment
    • Ambulance & Emergency Room Services
    • Nursing Care
  • When it comes to Medicare, it’s a convenient way for seniors to receive the medical care that they need. However, Medicare doesn’t always cover all the services they need. Many times, dental insurance, vision insurance and prescription drug coverage are excluded from Medicare plans. Luckily, we provide Medicare health program plans such as:

    • Medigap Plans – These plans cover expenses that aren’t covered by Medicare Part A or B. This coverage acts as secondary insurance that kicks in where your primary Medicare policy falls short.
    • Medicare Advantage Plans (Medicare Part C) – Also known as “Medicare Part C,” these plans provide coverage for traditional medical expenses while also providing dental and vision coverage and prescription drug coverage.  We are contracted with most if not all Medicare advantage plan carriers in the service areas that we have licensed agents ready to serve you.  We can take any medicare beneficiary and do a review of benefits and prescription drugs and fit you with a plan that meets your needs.
    • Prescription Drug Plans (Medicare Part D) – A prescription drug plan (PDP) is one option for individuals who want to enroll in the Medicare Part D prescription drug coverage, which subsidizes the costs of prescription drugs for enrollees. A prescription drug plan (PDP) is a stand-alone plan, covering only prescription drugs.