Amy Smith
Eagle Insurance
We compare your Medicare Options based on the County you reside in and your current needs. We can also help to enroll in EPIC, LIS or other programs.
Medicare Part A
What it covers:
- Inpatient hospital stays
- Skilled nursing facility care
- Hospice care
- Some home health care
Cost: Most people don’t pay a monthly premium for Part A if they or their spouse paid Medicare taxes while working. (Must have worked 10-years or 40-quarters).
Medicare Part B
What it covers:
- Doctor visits
- Outpatient care
- Preventive services (like flu shots and screenings)
- Durable medical equipment (wheelchairs, walkers, etc.)
Cost: There is a standard monthly premium for Part B, which may be higher depending on your income.
Medicare Part C
What it is: An alternative to Original Medicare (Parts A and B), offered by private insurance companies approved by Medicare.
What it covers:
- Everything Part A and Part B cover, plus
- Often includes prescription drug coverage (Part D)
- May include additional benefits like dental, vision, and wellness programs
Cost: Varies by plan and provider, but you must still pay your Part B premium.
Medicare Part D
In 2025, Medicare Part D prescription drug coverage has three stages: deductible, initial coverage, and catastrophic coverage. The coverage gap (also known as the “donut hole”) has been removed, and the annual out-of-pocket limit is capped at $2,000.
What it covers:
- Prescription Medications
- Vaccines
Cost of Medicare Part D
- Premium: Monthly premiums vary by plan and location.
- Deductible: Some plans have a deductible; others may not.
- Copayments/Coinsurance: After meeting the deductible, you pay a share of the drug costs.
- Extra Help: Individuals with limited income and resources may qualify for a program called “Extra Help” to reduce premiums, deductibles, and copayments.
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Deductible Stage:
You pay 100% of the cost of your covered drugs until you reach the deductible, which can vary by plan but is capped at $590 in 2025.
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Initial Coverage Stage:
After the deductible, you pay 25% of the cost of your drugs until your out-of-pocket spending reaches $2,000. The plan and manufacturer also contribute to the cost.
Catastrophic Coverage Stage: Once your out-of-pocket spending reaches $2,000, you enter the catastrophic coverage stage, and Medicare pays 100% of your drug costs for the rest of the year.
Important Notes About Part D
- Late enrollment penalties may apply if you don’t sign up for Part D when you’re first eligible and don’t have other credible prescription drug coverage.
- Plans and formularies can change annually, so it’s important to review your plan during the Annual Enrollment Period (October 15 to December 7).
Services
Medicare Part A
Medicare Part B
Medicare Part C
Medicare Part D
Medicare Programs
Contact
Cell 585.991.8045 (call or text)
Office: 585.245-0400
3011 Rochester Rd. Lakeville, NY 14480 (just south of Fratelli’s Restaurant)
30 Fort Hill Ave.
Canandaigua, New
York 14424
Hours
By Appointment – at my office or a place of your convenience.