Your Trusted Partner for Medicare Plans in Rhode Island
Medicare Coverage Made Simple
At Embrace Benefits, we specialize in helping Rhode Island residents navigate the complexities of Medicare. Whether you’re enrolling for the first time or reviewing your current coverage, our team provides clear, personalized guidance to ensure you find the right plan. From Medicare Advantage to Supplement plans, we’re here to make the process easy and stress-free.
Guiding You Through the Medicare Journey
We’re committed to helping you make informed decisions about your Medicare coverage.
Comprehensive Plan Options
Explore a variety of Medicare plans, including Advantage, Supplement, and Prescription Drug Coverage, tailored to your unique needs.
Clear Guidance
We simplify Medicare’s complexities, providing clear explanations and personalized advice.
Ongoing Support
Count on us for help with enrollment, changes to your coverage, or questions about your benefits.
Frequently Asked Questions About Medicare
What is Medicare, and who is eligible?
Medicare is a federal health insurance program designed for individuals aged 65 and older, as well as younger individuals with specific disabilities or health conditions. To qualify, you must be a U.S. citizen or legal resident. At Embrace Benefits, we help Rhode Island residents determine their eligibility and explore plans that best fit their needs and budgets.
What are the different parts of Medicare?
Medicare consists of four parts:
- Part A: Covers hospital stays, skilled nursing care, and some home health services.
- Part B: Covers outpatient care, doctor visits, and preventive services.
- Part C (Medicare Advantage): Combines Parts A and B, often including additional benefits like vision, dental, and prescription drug coverage.
- Part D: Provides standalone prescription drug coverage.
We’ll help you understand how these parts work together and recommend the best combination for your needs.
What is the difference between Original Medicare and Medicare Advantage?
Original Medicare includes Parts A and B and allows you to add a Part D prescription drug plan and supplemental coverage. Medicare Advantage (Part C) combines these benefits into a single plan, often with additional perks like dental and vision care. Our team will guide you through the pros and cons of each option to help you make the best choice.
Can I change my Medicare plan after enrolling?
Yes, you can make changes during the Annual Enrollment Period (AEP) from October 15 to December 7 each year. Certain qualifying events, like moving or changes in your health needs, may also allow for special enrollment periods. We’ll assist you in understanding your options and making updates when needed.
What if I have other health insurance coverage?
If you have other health insurance through an employer or spouse, we can help you coordinate your benefits with Medicare. Understanding how your coverage works together is crucial to avoid gaps or overpaying for services. Our team provides expert advice to ensure you maximize your benefits.