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MEDICARE CAN BE COMPLICATED.


MEDICARE CAN
BE COMPLICATED.


WE MAKE IT SIMPLE.




VER EN ESPAÑOL


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Learn More


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Getting started with Medicare
Understanding the Parts of Medicare
Eligibility and Enrollment
Coverage Choices
Getting started with Medicare


GETTING STARTED WITH MEDICARE HEALTH INSURANCE PLANS IN WEST ORANGE, NJ

You’ve likely heard of Medicare but don’t fully understand the program or how it
differs from Medicaid. However, you’ve come to the right place for Medicare
information. Our medical insurance company in West Orange, NJ, is dedicated to
helping you choose the right Medicare health plans, including individual health
plans, hospital insurance, and long-term care plans to ensure you have the
coverage you need. Let’s define Medicare coverage.


WHAT IS MEDICARE?

Medicare is a health insurance program designed by the federal government for
individuals age 65 and older, along with some younger people with disabilities
and individuals suffering from end-stage renal disease, which is classified as a
form of permanent kidney failure that requires patients to undergo dialysis or a
transplant. This condition is sometimes called ESRD. Our Medicare plan insurance
agency can help you determine if you qualify and which Medicare health insurance
plans will work best for you.


UNDERSTANDING MEDICARE & WHAT IT COVERS

It can feel overwhelming as you take your first steps toward Medicare coverage.
You need to understand many terms and consider expenses. It’s critical to review
all the options to ensure you make the right choice. The good news is that our
Medicare plan insurance agency is here to help you cut through the clutter of
Medicare.


MEDICARE PART A COVERS:

Also known as hospital insurance, Medicare Part A provides coverage for
inpatient hospital stays, hospice care, skilled nursing care, and some forms of
home health care. However, it isn’t designed for extended care. You will need
long-term care plans for extended needs.


MEDICARE PART B COVERS:

Medicare Part B classifies as an individual health plan that covers outpatient
care, certain doctor’s services, preventive services, and medical supplies. Keep
in mind this coverage usually doesn’t include prescriptions, which requires
looking at a Medicare Part D plan.


MEDICARE ADVANTAGE HEALTH INSURANCE

Medicare Advantage plans are often used to supplement the typical coverage you
get from Medicare Parts A and B. This type of coverage may include long-term
care insurance, prescription coverage, special needs, and more. Our team can
help you explore the Medicare Advantage plan cost in West Orange, NJ, to make
the right choice for you.
Understanding the Parts of Medicare


MEDICARE PART A: HOSPITAL INSURANCE


Part A covers inpatient hospital stays, care in a skilled nursing facility,
hospice care, and some home health care.

You generally won’t have to pay a monthly premium for Medicare Part A if you or
your spouse paid Medicare payroll taxes for 40 quarters or more.

Explore More


MEDICARE PART B: MEDICAL INSURANCE


Part B covers certain doctors’ services, outpatient care, medical supplies, and
preventive services.

You cannot be denied Part B coverage. You may go to any doctor or qualified
health care provider in the United States who participates in the Medicare
program and is accepting Medicare patients.

Explore More


MEDICARE PART D: PRESCRIPTION DRUG COVERAGE


Helps cover the cost of prescription drugs (including many recommended shots or
vaccines)

You can get drug coverage with a standalone Part D plan or as part of a Medicare
Advantage plan (Part C). Some plans have pharmacy networks and mail order
pharmacies that offer discounted prices.

Explore More


MEDICARE PART A: HOSPITAL INSURANCE



Part A covers inpatient hospital stays, care in a skilled nursing facility,
hospice care, and some home health care.

You generally won’t have to pay a monthly premium for Medicare Part A if you or
your spouse paid Medicare payroll taxes for 40 quarters or more.

Explore More


MEDICARE PART B: MEDICAL INSURANCE



Part B covers certain doctors’ services, outpatient care, medical supplies, and
preventive services.

You cannot be denied Part B coverage. You may go to any doctor or qualified
health care provider in the United States who participates in the Medicare
program and is accepting Medicare patients.

Explore More


MEDICARE PART C: MEDICARE ADVANTAGE



Medicare Advantage (Part C) is another way to get your Medicare benefits.

There are different types of Part C plans. Some plans have provider networks you
need to use. Plans are offered by private insurance companies approved by
Medicare.

Explore More


MEDICARE PART D: PRESCRIPTION DRUG COVERAGE



Helps cover the cost of prescription drugs (including many recommended shots or
vaccines)

You can get drug coverage with a standalone Part D plan or as part of a Medicare
Advantage plan (Part C). Some plans have pharmacy networks and mail order
pharmacies that offer discounted prices.

Explore More
Explore More
Explore More
Explore More
Eligibility and Enrollment


MEDICARE IS A FEDERAL PROGRAM THAT OFFERS HEALTH INSURANCE TO AMERICAN CITIZENS
AND OTHER ELIGIBLE INDIVIDUALS


WHO CAN GET MEDICARE?



U.S. citizens and legal residents

Legal residents must live in the U.S. for at least 5 years in a row, including
the 5 years just before applying for Medicare.

You must also meet one of the following requirements:

 * Age 65 or older
 * Younger than 65 with a qualifying disability
 * Any age with a diagnosis of end-stage renal disease or ALS

Explore More


HOW DO YOU ENROLL?



You should be automatically enrolled if you are receiving Social Security or
Railroad Retirement Board benefits when you become eligible. You’ll receive your
Medicare card in the mail.If you’re not receiving benefits, you need to sign up
for Medicare when you become eligible.

Go to SSA.gov/Medicare to enroll online, or call or visit your local Social
Security office.

Explore More


WHAT ARE THE COVERAGE CHOICES?



Original Medicare (Parts A & B) is provided by the federal government. It helps
pay for hospital stays and doctor visits, but it doesn’t cover everything.

You may add coverage by enrolling in one or more private Medicare or
Medicare-related plans.

• Medicare supplement insurance plans (Medigap) help pay some of the out-of
-pocket costs that come with Original Medicare.

• Medicare prescription drug plans (Part D) help pay for prescription
medications. Original Medicare does not cover prescription drugs.

• Medicare Advantage plans (Part C) offer an alternative to Original Medicare.
Plans combine Part A and Part B coverage in one plan. They often include
prescription drug coverage, too. Some plans offer additional benefits like
coverage for routine vision and dental care.

Explore More
Explore More
Explore More
Explore More
Coverage Choices


STEP 1 ENROLL IN ORIGINAL MEDICARE.




STEP 2 DECIDE IF YOU NEED ADDITIONAL COVERAGE. THERE ARE TWO WAYS TO GET IT.



Getting started with Medicare
Understanding the Parts of Medicare
Eligibility and Enrollment
Coverage Choices
Getting started with Medicare


GETTING STARTED WITH MEDICARE HEALTH INSURANCE PLANS IN WEST ORANGE, NJ

You’ve likely heard of Medicare but don’t fully understand the program or how it
differs from Medicaid. However, you’ve come to the right place for Medicare
information. Our medical insurance company in West Orange, NJ, is dedicated to
helping you choose the right Medicare health plans, including individual health
plans, hospital insurance, and long-term care plans to ensure you have the
coverage you need. Let’s define Medicare coverage.


WHAT IS MEDICARE?

Medicare is a health insurance program designed by the federal government for
individuals age 65 and older, along with some younger people with disabilities
and individuals suffering from end-stage renal disease, which is classified as a
form of permanent kidney failure that requires patients to undergo dialysis or a
transplant. This condition is sometimes called ESRD. Our Medicare plan insurance
agency can help you determine if you qualify and which Medicare health insurance
plans will work best for you.


UNDERSTANDING MEDICARE & WHAT IT COVERS

It can feel overwhelming as you take your first steps toward Medicare coverage.
You need to understand many terms and consider expenses. It’s critical to review
all the options to ensure you make the right choice. The good news is that our
Medicare plan insurance agency is here to help you cut through the clutter of
Medicare.


MEDICARE PART A COVERS:

Also known as hospital insurance, Medicare Part A provides coverage for
inpatient hospital stays, hospice care, skilled nursing care, and some forms of
home health care. However, it isn’t designed for extended care. You will need
long-term care plans for extended needs.


MEDICARE PART B COVERS:

Medicare Part B classifies as an individual health plan that covers outpatient
care, certain doctor’s services, preventive services, and medical supplies. Keep
in mind this coverage usually doesn’t include prescriptions, which requires
looking at a Medicare Part D plan.


MEDICARE ADVANTAGE HEALTH INSURANCE

Medicare Advantage plans are often used to supplement the typical coverage you
get from Medicare Parts A and B. This type of coverage may include long-term
care insurance, prescription coverage, special needs, and more. Our team can
help you explore the Medicare Advantage plan cost in West Orange, NJ, to make
the right choice for you.
Understanding the Parts of Medicare


MEDICARE PART A: HOSPITAL INSURANCE


Part A covers inpatient hospital stays, care in a skilled nursing facility,
hospice care, and some home health care.

You generally won’t have to pay a monthly premium for Medicare Part A if you or
your spouse paid Medicare payroll taxes for 40 quarters or more.

Explore More


MEDICARE PART B: MEDICAL INSURANCE


Part B covers certain doctors’ services, outpatient care, medical supplies, and
preventive services.

You cannot be denied Part B coverage. You may go to any doctor or qualified
health care provider in the United States who participates in the Medicare
program and is accepting Medicare patients.

Explore More


MEDICARE PART D: PRESCRIPTION DRUG COVERAGE


Helps cover the cost of prescription drugs (including many recommended shots or
vaccines)

You can get drug coverage with a standalone Part D plan or as part of a Medicare
Advantage plan (Part C). Some plans have pharmacy networks and mail order
pharmacies that offer discounted prices.

Explore More


MEDICARE PART A: HOSPITAL INSURANCE



Part A covers inpatient hospital stays, care in a skilled nursing facility,
hospice care, and some home health care.

You generally won’t have to pay a monthly premium for Medicare Part A if you or
your spouse paid Medicare payroll taxes for 40 quarters or more.

Explore More


MEDICARE PART B: MEDICAL INSURANCE



Part B covers certain doctors’ services, outpatient care, medical supplies, and
preventive services.

You cannot be denied Part B coverage. You may go to any doctor or qualified
health care provider in the United States who participates in the Medicare
program and is accepting Medicare patients.

Explore More


MEDICARE PART C: MEDICARE ADVANTAGE



Medicare Advantage (Part C) is another way to get your Medicare benefits.

There are different types of Part C plans. Some plans have provider networks you
need to use. Plans are offered by private insurance companies approved by
Medicare.

Explore More


MEDICARE PART D: PRESCRIPTION DRUG COVERAGE



Helps cover the cost of prescription drugs (including many recommended shots or
vaccines)

You can get drug coverage with a standalone Part D plan or as part of a Medicare
Advantage plan (Part C). Some plans have pharmacy networks and mail order
pharmacies that offer discounted prices.

Explore More
Explore More
Explore More
Explore More
Eligibility and Enrollment


MEDICARE IS A FEDERAL PROGRAM THAT OFFERS HEALTH INSURANCE TO AMERICAN CITIZENS
AND OTHER ELIGIBLE INDIVIDUALS


WHO CAN GET MEDICARE?



U.S. citizens and legal residents

Legal residents must live in the U.S. for at least 5 years in a row, including
the 5 years just before applying for Medicare.

You must also meet one of the following requirements:

 * Age 65 or older
 * Younger than 65 with a qualifying disability
 * Any age with a diagnosis of end-stage renal disease or ALS

Explore More


HOW DO YOU ENROLL?



You should be automatically enrolled if you are receiving Social Security or
Railroad Retirement Board benefits when you become eligible. You’ll receive your
Medicare card in the mail.If you’re not receiving benefits, you need to sign up
for Medicare when you become eligible.

Go to SSA.gov/Medicare to enroll online, or call or visit your local Social
Security office.

Explore More


WHAT ARE THE COVERAGE CHOICES?



Original Medicare (Parts A & B) is provided by the federal government. It helps
pay for hospital stays and doctor visits, but it doesn’t cover everything.

You may add coverage by enrolling in one or more private Medicare or
Medicare-related plans.

• Medicare supplement insurance plans (Medigap) help pay some of the out-of
-pocket costs that come with Original Medicare.

• Medicare prescription drug plans (Part D) help pay for prescription
medications. Original Medicare does not cover prescription drugs.

• Medicare Advantage plans (Part C) offer an alternative to Original Medicare.
Plans combine Part A and Part B coverage in one plan. They often include
prescription drug coverage, too. Some plans offer additional benefits like
coverage for routine vision and dental care.

Explore More
Explore More
Explore More
Explore More
Coverage Choices


STEP 1 ENROLL IN ORIGINAL MEDICARE.




STEP 2 DECIDE IF YOU NEED ADDITIONAL COVERAGE. THERE ARE TWO WAYS TO GET IT.




WE’VE GOT EVERYTHING YOU NEED TO HELP YOU CHOOSE YOUR BEST OPTION.


MEDICARE
OVERVIEW


COVERAGE
COMBINATIONS


CUSTOMER
REVIEWS


MEDICARE
ENROLLMENT

Schedule Now


OUR SERVICES


WE ARE A MEDICARE PLAN INSURANCE AGENCY THAT SPECIALIZES IN THE FOLLOWING:


MEDICARE SUPPLEMENT PLANS


MEDICARE ADVANTAGE PLANS


MEDICARE AND MEDICAID PLANS


STAND-ALONE PART D PRESCRIPTION PLANS


DENTAL & VISION PLANS


INDIVIDUAL HEALTH PLANS


LONG TERM CARE PLANS


FINAL EXPENSE

Schedule Now


READY TO GET A FREE QUOTE?

GET STARTED TODAY


THE SOSA INSURANCE GROUP


450 PLEASANT VALLEY WAY
WEST ORANGE, NJ 07052

 * 973-339-3036

A Medicare Plan Insurance Agency that specializes in Medicare Supplement, also
known as Medigap, Medicare Advantage, Medicaid and Medicare, Stand-Alone Part D
Prescription, Dental, Final Expense, Individual and Long-Term Care plans.


OUR SERVICES

Helping Medicare eligible consumers navigate through their Medicare journey to
better understand the basics of Medicare and choosing an option that best fits
their needs.


QUICK LINKS

 * Blog
 * Contact Us
 * Careers
 * Coverage choices
 * Eligibility and enrollment
 * Frequently asked questions
 * More information
 * Help with Medicare costs


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