Original Medicare (Part A and Part B) covers only about 80% of healthcare costs, leaving Springfield, Missouri residents with potential out-of-pocket expenses for services like prescription drugs, dental, vision, and hearing care. To avoid these gaps, many turn to Medicare Advantage Plans, Medicare Supplement (Medigap) policies, or Part D Prescription Drug Plans. At Smith Insurance Solutions, we help Springfield residents explore these options to ensure comprehensive coverage and protection from unexpected medical costs. Let us guide you through your Medicare choices for a plan that fits your needs.

Original Medicare (Part A and Part B) does not cover most routine dental care, leaving Springfield, Missouri residents responsible for services like cleanings, fillings, dentures, and extractions. To get dental coverage, many turn to Medicare Advantage Plans, which often include dental benefits, or standalone dental insurance. At Smith Insurance Solutions, we help Springfield residents explore their options to ensure their dental needs are covered alongside their Medicare plan. Contact us to find a plan that fits your healthcare and dental needs.

Enrolling in Medicare depends on your situation. If you're already receiving Social Security benefits, you'll be automatically enrolled in Medicare Part A and Part B when you turn 65. If you're not yet receiving Social Security, you'll need to apply through the Social Security Administration, either online or by visiting a local office. It's best to start the enrollment process three months before your 65th birthday to ensure timely coverage. At Smith Insurance Solutions, we guide Springfield residents through every step of enrolling in Medicare to make the process hassle-free.

The cost of Medicare depends on the parts you enroll in. For most Springfield, Missouri residents, Medicare Part A is premium-free if you've worked at least 10 years and paid Medicare taxes. If not, the Part A premium can be as high as $505 in 2024. Medicare Part B, which covers outpatient services, has a standard monthly premium of $174.70 in 2024, but this can increase based on your income. Other costs, like deductibles and coinsurance, apply to both Part A and Part B. If you choose additional coverage, such as Medicare Advantage or Medigap, premiums and out-of-pocket costs will vary based on the plan. At Smith Insurance Solutions, we help you understand Medicare costs and find the best plan for your needs.