Medicare Plan Guidance in Grass Valley

Understanding Medicare

Clear Guidance for Your Medicare Coverage

Medicare has several parts, and it helps to start with the basics. Original Medicare is the traditional program offered by the federal government. It includes:

  • Part A – Hospital insurance, covering inpatient hospital stays, skilled nursing care, hospice, and some home health services.

  • Part B – Medical insurance, covering doctor visits, outpatient care, preventive services, and durable medical equipment.

While Original Medicare provides important coverage, it doesn’t include prescription drugs and leaves some costs—like deductibles and coinsurance—for you to pay out of pocket. That’s why many people also consider Medicare Advantage (Part C), Medicare Supplement (Medigap), or Medicare Prescription Drug Plans (Part D) to round out their coverage.


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Medicare Advantage (Part C)

Medicare Advantage plans combine hospital (Part A) and medical (Part B) coverage into one plan, often including extras like dental, vision, and prescription drugs. We’ll help you review the Part C plans available in your area so you understand how they work and whether your doctors and prescriptions are included.

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Medicare Supplement (Medigap)

Medicare Supplement (Medigap) plans help cover costs Original Medicare doesn’t, like copays, deductibles, and coinsurance. We’ll explain the differences between the lettered Medigap plans and help you compare premiums so you can decide which is right for you.

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Medicare Prescription Drug (Part D)

Medicare Part D offers prescription drug coverage through private insurers approved by Medicare. Plans vary by cost, drug list, and pharmacy network. At Noble Guardian Insurance Solutions, we don’t sell Part D plans, but we help you compare options on Medicare.gov to find one that fits your prescriptions and preferred pharmacies.

Guidance You Can Count On

Medicare Questions, Answered Simply

  • What’s the difference between Medicare Advantage and Medigap?

    Medicare Advantage replaces Original Medicare with a bundled plan that often includes extra benefits. Medigap supplements Original Medicare, helping with out-of-pocket costs.

  • Do Medicare plans include prescription drug coverage

    Medicare Advantage plans often include it, while Medigap does not. Prescription coverage is available separately through Part D.

  • When can I change my Medicare plan?

    Medicare has an Annual Enrollment Period each fall, plus Special Enrollment Periods in certain situations. We’ll explain your options and timing.

  • Can I use my coverage outside Grass Valley?

    It depends on the plan. Medigap plans are generally accepted nationwide, while Medicare Advantage and Part D plans use networks and formularies that vary by region.

  • Do you charge for helping with Medicare plans?

    No. Our services are free—we’re paid by the carriers we represent.