There are many challenges with getting older. Besides the obvious signs of aging such as grey hair, wrinkles, and fine lines, and a hitch in your step, dealing with aging is hard for most people. Physically, you can’t do what you used to be able to do, such as hike all the way up a mountain or run a 10K. Mentally, you may be a bit more forgetful. Emotionally, you may be more lonely, as the kids are out of the home. You may even be dealing with the death of a loved one or a good friend.

Amidst all the changes that come with aging, the last thing you want to think about is health care. MedicareGov Directory in St. Louis exists to help you decipher the ins and outs of Medicare, Medicare Advantage, and Medigap. And just when you get it all figured out, the laws change, and you’re back to square one.

MedicareGov Directory is your source for all the latest in Medicare changes as well as the differences in plans. Furthermore, we’re here to help you with all the questions you have. Visit our site often for updates and news. Now, take a deep breath, and let us begin.

What You Should Look for When Considering Your Medicare Choices

The first thing that comes to mind when looking at Medicare is: how much does this cost? Let’s face it, it’s our pocket book that matters, especially for seniors who are mostly on fixed income. Counting pennies is very important.

When looking into a Medicare plan, you should consider:

  • Deductibles. A deductible is the amount of money you pay for a doctor’s visit, hospital stay, or any other health care service, before the insurance company covers its portion. Once you pay, the insurance company will pay the rest of the claim up to the policy limits and conditions. However, some policies may still require a copays or coinsurance, depending on the conditions of your policy.
  • Premiums. An insurance premium is the amount you pay for your health insurance every month.
  • Out-of-pocket costs. Out-of-pocket costs are your expenses for medical care that aren’t reimbursed by insurance. This can include deductibles, coinsurance, and copayments for covered services, plus all costs for services that aren’t covered, such as eyecare or dental.