Understanding Your Medicare Options

Are you approaching age 65 and feeling overwhelmed about Medicare and what it will cover?

Are you considering a Medicare supplement plan and have questions? Let David B. Crother Health Insurance assist you! We will sit down with you to explain what Medicare covers and what it does not. We have assisted many seniors by educating them about Medicare and offering comprehensive solutions to make sure they have the coverage they need, when they need it, at a price they can afford. We’d like to help you, too!

Original Medicare, as covered by the federal government, is the most basic form of medical coverage and supplementing that coverage can be more beneficial than what might be widely thought. With the right combination of Medicare Supplemental Insurance, you can ensure that you have all your bases adequately covered.

What does Original Medicare cover?

Basic Medicare is comprised of Part A and Part B insurance, to which part C (Medicare Advantage) and part D Prescription Drug insurance can be added to fill in all the extra areas of coverage options that you might need to give you the most comprehensive coverage that Medicare offers. Parts A and B, under this Medicare cover, basically take care of the basic services provided by hospitals as well as those provided by doctors.

Medicare Part C combines Part A and B to take the headache out of dealing with two different plans to cover all your insurance needs.

Does Medicare cover all of my medical expenses?

The simple answer is no. Medicare is designed to cover part of your expenses, but not all of them. Supplemental insurance is often needed to cover what Medicare does not. The largest expense that Medicare does not cover is prescription drugs. Medicare Part D insurance is available to people receiving Medicare to help pay for prescription drugs. Medicare Part D insurance is only available through a private insurance company. Medicare does not offer prescription drug coverage and prescription drugs can often be extremely costly.

How do I know what supplemental coverage I need?

Determining which Medicare Supplemental plan will likely suit your current medical needs as well as possible future needs can be a daunting task. The experienced staff at David B. Crother Insurance can help you determine what Medicare coverage is best for you and help you find the plan that is right to fill in the gaps the basic Medicare policy does not cover. Whether you need Medicare Advantage, or Medicare Part D coverage, our agents can help you find the perfect plan for your life and your budget.

How do I get started?

Your first step should be to contact us at David B. Crother Health Insurance Broker at (530) 674-1098 to talk with David or Kathryn. They are experienced in knowing all aspects of Medicare Insurance and are ready to help you find the right plan to cover your additional expenses. With multiple plans available in our area, all with different formularies of covered prescriptions, we can help you find the plan that covers your prescriptions and your needs at a price you can afford.

Allow us to help you navigate this complex decision. Contact us today!


“As a small business we are always looking for partners that are service minded and have a competitive product to sell us. David and Kathy have always gone the extra mile for our employees which is why we use them for our health insurance program year after year.”

Michael Dihel,President Beeler Tractor Company of Yuba City & Colusa