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                         Senior Services

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Medicare Supplements

Medicare supplement plans are a great option to add to your existing Medicare Part A and Part B plan, also known as Original Medicare. This supplemental insurance pays many of the things that Original Medicare doesn’t pay, like copays, coinsurance and deductibles.

Medicare Advantage Plans

With an advantage plan, you’ll still have Medicare, but you’ll get most of your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage from the Medicare Advantage Plan, not Original Medicare. Most advantage plans also include Medicare prescription drug coverage (Part D).

Medicare Drug plans

Pile of Pills

With the rise in prescription drug costs, Prescription Drug plans can help lower the out-of-pocket costs of various medications prescribed by your doctor vs. paying for them at full cost.

Medicare is one of our Specialty's

“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.”

Long-Term Care Insurance

with a Long-Term Care plan it is designed to help you pay for types of services that come about as we get older. You may eventually need help with things you’ve always been able to do yourself – shopping for groceries, fixing meals, cleaning the house or with personal services, like bathing, dressing or taking medications. This plan is there to help with all these types of services.

Life Insurance

Life insurance is about providing for the people you care about most. These funds can help your loved ones pay monthly living expenses, stay in their home and pay off debts, including final expenses. It can also help send a child to college one day. It pays a sum of money you choose and may help protect them from the financial impact of your death.

Critical Illness Insurance

If you’re diagnosed with a serious illness, one of the last things you want to worry about is your finances. A Critical Illness policy helps provide protection from a variety of covered conditions, so you can focus on getting well without the burden of finances being covered.

Annuities

Annuities can help address one of your fundamental concerns: Outliving your savings. They offer you guaranteed lifetime income payments*, which may give you freedom to fulfill your retirement dreams and help with your financial peace of mind. They also give you flexibility to use your cash however you choose.

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Know the different parts of Medicare

Part A

Helps cover:

• Inpatient care in hospitals

• Skilled nursing facility care

• Hospice care

• Home health care

Part  B

Helps cover:

• Services from doctors and other health care providers

• Outpatient care

• Home health care

• Durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment) any preventive services (like screenings, shots or vaccines,

and yearly “Wellness” visits)

Part C

Medicare Advantage is an

“all in one” alternative to Original

Medicare. These “bundled” plans

include Part A, Part B, and usually

Part D.

• Plans may have lower out-of-pocket costs than Original Medicare.

• In many cases, you’ll need to use

doctors who are in the plan’s network.

• Most plans offer extra benefits that Original Medicare doesn’t cover—like vision, hearing, dental, and more.

Part D

Helps cover the cost of prescription drugs (including many

recommended shots or vaccines).

Plans that offer Medicare drug coverage are run by private

insurance companies that follow rules set by Medicare.

Did you know Medicare doesn't cover dental? Ask me, how we can get you covered today!

My Medicare Choices

Medicare Supplement vs Medicare Advantage

Not covered by Medicare 

Click to learn more from the Medicare & You book

Medicare Important dates

Learn more dates you don't want to miss!

Signing up for Medicare 

Signing up For Medicare A & B and When?

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What our customers are saying

I cant Thank you enough for all you have done for me. Your expertise, Advice, Patients and trustworthiness have been so much help. I really mean this. Thank you so much!

Brenda H  

 

MAILING ADDRESS

Oates Insurance Inc

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Po Box 18962

​

Spokane, WA 99228

CALL US

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Cell: 509-362-4228

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