Unlocking the mysteries of Medicare for seniors and those who may be assisting them in their registration process. There tends to be a lot of misunderstanding and confusion around medicare and health insurance for aging adults. It can be difficult to find an organization to help walk you through with patience and dedication all aspects of the medicare journey, which goes beyond the enrollment phase. People have overpaid for health insurance or medical procedures, people have been mislead in selection of plans or prematurely rushed into making decisions. Sometimes people have gotten the runaround with the government entities and we want to eliminate the hardship of the health insurance process.

We are dedicated to YOU as an individual and ensuring you get the best plan for your health care needs.

A Guide To Medicare

4 Parts of Medicare

Part A:
Hospital Insurance

Part A of Medicare is Hospital Insurance, which will cover hospital stays, nursing home or assisted-living home care for a period of time. Medicare Part A, covers inpatient hospital care when all of these are true:

You’re admitted to the hospital as an inpatient after an official doctor’s order, which says you need inpatient hospital care to treat your illness or injury.
The hospital accepts Medicare.
In certain cases, the Utilization Review Committee of the hospital approves your stay while you’re in the hospital.

Regarding nursing-home stays, Medicare will only cover 100 days per ailment. The first 20 days are paid for by Medicare in full; the next 80 days require a copayment of $170.50 per day (as of 2019). Whenever you go 60 days without using Medicare to help pay for a nursing home stay, the 100-day clock is reset and you qualify for a new 100 day period.

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Part B:
Medical Insurance

Part B of Medicare deals with Medical Insurance. This section covers most outpatient services and medically necessary products that Part A leaves untouched. Everything from doctors visits to immunosuppressive drugs for organ-transplant recipients are covered by Part B, including limited ambulance transportation.

In addition to outpatient doctors services and treatments like chemotherapy, Part B helps you to pay for durable medical equipment (DME). Examples of DME include mobility scooters, prosthetic limbs, canes and oxygen.

Part C:
Medicare Advantage Plans

Part C of Medicare deals with Medicare Advantage plans. After the Balanced Budget Act of 1997 passed, Medicare recipients were given the choice to either keep their original Medicare plan (Parts A and B) or receive their benefits through a private health insurance plan. After the Medicare Prescription Drug, Improvement and Modernization Act was enacted in 2003, those using private health insurance through Part C became known as Medicare Advantage (MA) recipients.

If you choose Medicare Advantage, Medicare will pay a set amount each month toward private health insurance. You’re required to pay any additional premiums, and in many cases you’ll have to pay a fixed co-payment amount each time you see a doctor. By law, the private insurance company you choose must offer a benefit package that is at least as good as the one provided by Medicare Parts A and B.

Part D:
Prescription Drug Plans

Medicare Part D provides coverage for prescription drug plans and went into effect at the beginning of 2006. If you use Medicare Part A or B, you are eligible for Part D. If you’re using an MA Plan, you can adjust your benefits to take advantage of Part D, in which case the overall plan becomes an MAPD.

To get Medicare Part D, you need to enroll in a Prescription Drug Plan (PDP) or change your MA coverage to MAPD. Costs and benefits vary between the different plans, and medications that you need may not be covered by all plans. Some drugs, such as cough suppressants, benzodiazepines and barbiturates, aren’t covered at all.

To get the best Medicare Part D coverage at the best price, you should compile a list of your prescriptions and talk to your pharmacist, MA provider or a Licensed Medicare Agent. You can get a head start by visiting https://medicare.gov, which provides a list of Medicare Part D options by state when you provide your prescriptions.

Meet Our Founder

Will Hagins

Owner of Solutions Advantage

Will Hagins is a home town native born in Orlando Fl, and grew up in a military family and traveled all across the country to places like Texas, Jersey, Illinois, Georgia and spent some time on army bases in Germany. That experience has taught him how to relate and interact with all kinds of people across the world with different experiences and from different cultures. This helped him build cultural awareness that others may not have. He considers this his super power.

Will Hagins was a multisport athlete where he learned discipline. Motivation, leadership and entrepreneurial skills. He is a master communicator passionate about people, development, community growth and has become an advocate for healthcare education, advising and ensuring all of his customers are connected with resources that cater to their wellness, medical and socio-economical needs. Will has over over 20 years experience in Healthcare Management in Senior Level Management positions and has been an entrepreneur for over 10 years.

Through Solutions Advantage our mission is to ensure that our seniors and their families are educated on the right plans to enroll in and as your family members age we want to ensure that the family holistically is educated and empowered to care for their dearest hearts. We do this through workshops, one one one meetings, and business consulting with sales agents looking to enter into the insurance industry. When working with Will and the Solutions Advantage team rest assure that we aim to -Educate-Enroll-Provide Expert Support.

He is Married with 2 daughters , a son in law, and 3 beautiful grandchildren.

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