Medicare is really complicated. Sometimes you’re enrolled automatically; sometimes you’re not. If you’re not and you miss the enrollment period, you pay a penalty. Some medical services are covered; some are not. If you go to visit your chiropractor, Medicare might pay, but only if it is “manual manipulation of the spine if medically necessary to correct a subluxation.”1 It’s truly a labyrinth. At ePlatinum Health, we make sure you don’t get lost in it.

Our independent agents understand it! It’s our business to comprehend this system with its caveats, exemptions, and exceptions. We will meet with you, listen to your needs, explain your options, and find the best way for you to get the coverage you need. With our help, you won’t be surprised by lack of coverage or exorbitant out-of-pocket expenses. Specific Medicare insurances include:

Step 1: Enroll in Original Medicare.

Medicare Part A: Hospital

Medicare Part A covers:

  • Hospital, inpatient and long-term care
  • Skilled nursing facility and nursing home care
  • Home health services
  • Hospice

Medicare is required by federal and state laws to provide coverage for all of the above services, however, they are not required to cover the entire cost.  Below, learn more about additional insurance options that can help pay for what Medicare does not.

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Enroll in Medicare

Medicare Part B: Medical

Medicare Part B covers:

  • “Medically necessary services”
    • Medical equipment
    • Ambulance services
  • Preventative care
    • Doctor visits
    • Mental health services
    • Clinical research studies

As with Medicare Part A, Medicare is required to provide coverage for the above services but is not required to cover the entire cost.  Learn more about your additional insurance options below.

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Enroll in Medicare

Step 2: Decide if you need additional coverage.

After you have enrolled in Original Medicare (Parts A and B), if you decide you would like additional coverage you have two ways to get it.  It is important to understand that with both options below you still have Original Medicare and must continue to pay your Part B premium.


Add one or both of the following to Original Medicare:

Medicare Supplement Insurance

Offered by private companies

Helps pay some of the out-of-pocket costs that come with Original Medicare, such as hospital stays, doctor visits, and preventative services.

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Medicare Part D Plan

Offered by private companies

Helps pay for prescription drugs

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Choose a Medicare Advantage plan:

Medicare Advantage Plan

Offered by private companies

With a Medicare Advantage Plan, you still have Original Medicare you are just choosing to manage it differently. Instead of showing your Medicare card for services, you show your Medicare Advantage plan card.

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Still confused?

Don’t worry – join us for a New to Medicare meeting!

In an information-only presentation, one of our licensed agents will explain how Medicare works, and the additional insurance options available.  You can have your questions answered in a no-pressure, small group environment.

Find a New to Medicare meeting near you

Want more information? Please feel free to contact us!

By submitting the information above you acknowledge that a licensed insurance agent will contact you by phone or email to discuss Medicare Advantage Plans, Prescription Drug Plans, or Medicare Supplement Insurance.

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Neither ePlatinum Health nor its agents are connected with the Federal Medicare Program.