Bay State Insurance Agency, Ltd. 
Securing Your Tomorrows Today With "Safe and Secure Financial Solutions"

How May We Help You Today?

Medicare Supplement


   Medicare Advantage

Medicare:  What is it, and Who Benefits From It?

Medicare is health insurance for the following:

*   People age 65 or older

*   People under age 65 with certain disabilities

*   People of any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis

     or a kidney transplant)


MEDICARE PART A (Hospital Insurance)

* Helps cover inpatient care in hospitals.

* Helps cover skilled nursing facility, hospice, and home health care.


MEDICARE PART B (Medical Insurance)

* Helps cover doctors’ services, hospital outpatient care, and home health care.

* Helps cover some preventative services to help maintain your health and to keep certain

  illnesses from getting worse. 

* Generally pays 80% of the Medicare-approved amount for covered services after the

   Part B deductible has been met, with the exception of most preventative services where

   Medicare pays 100%.


MEDICARE PART C (Medicare Advantage Plans)

Medicare Advantage Plans (like an HMO or PPO) are health plans run by Medicare-approved private insurance companies. Medicare Advantage Plans (also called "Part C") include Part A, Part B, and usually other coverage like Medicare prescription drug coverage (Part D), sometimes for an extra cost.


MEDICARE PART D (Prescription Drug Coverage)

* A prescription drug option run by Medicare-approved private insurance companies.

* Helps cover the cost of prescription drugs.

* May help lower your prescription drug cost and help protect against higher cost in the future.



Our Medicare Supplement
Quoting Program Shops Up To
25 Different Companies In
Your Zip Code

We are proud that we have over 70 years of combined experience and represent many
companies that offer Medicare Supplement Insurance. 

It would be our pleasure to visit with you to explain the different plans and options available to you. 
Once you decide which plan fits your personal needs you can leave the rest to us.  We will complete the paperwork for you, submit it to the insurance company and track its progress. 
Once we receive your policy, we will arrange to get back together with you to go over your
Medicare Supplement Plan.

You can rest assured that once your policy is delivered our relationship doesn't end there.  We have a monthly E-mail newsletter to keep in touch.  We will be remembering you and celebrating your birthday each year with a birthday card.
  Every client is considered a friend and friends keep in touch.

So, whether you are just turning 65 and in your open enrollment period
or looking to save on your current plan,
give Mike and Rebecca a call.


Bay State Insurance Agency Limited
1316 White Marsh Road
Centreville, MD  21617
PHONE: 410-758-1680 ~ TOLL FREE 1-877-411-3702
FAX: 410-758-5449

email us at

"Securing Your Tomorrows Today With Safe and Secure Financial Solutions."

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