Rochester Senior Health: Insurance

Lifespan Health Insurance Information Counseling & Assistance Program: When you have questions about Medicare and other health insurance plans, call Lifespan’s H.I.I.C.A.P. service for confidential assistance: 585-244-8400... online brochure

Medicare: A Federal health insurance program for people who are age 65 or older and certain younger people with disabilities. It also covers people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD). Visit www.medicare.gov You can also call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048.

Medicaid: Medicaid is a state-administered health insurance program for low-income people, families and children, the elderly and people with disabilities. It can also lower your costs or cover more benefits if your other coverage is limited. Visit Medicaid General Information.

Medicare Advantage: Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are health plans offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, the plan provides all your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage. Visit Medicare Advantage

Medicare Prescription Drug Coverage: Medicare prescription drug coverage (Part D) is available to everyone with Medicare. To get Medicare drug coverage, you must join a Medicare drug plan. Plans vary in cost and drugs covered. Visit Prescription Drug Coverage

New York State Elderly Pharmaceutical Insurance Coverage (EPIC): EPIC is a New York State program that helps seniors pay for their prescription drugs. More than a quarter million EPIC enrollees are saving an average of 90 percent of the cost of their medicines. Most enrollees have Medicare Part D or other drug coverage, and use EPIC to lower their drug costs even more by helping them pay the deductibles and co-payments required by their other drug plan. EPIC also helps members pay for Medicare Part D premiums...website

Medicare Prescription Donut Hole: The Medicare Part D coverage gap informally known as the Medicare donut hole is the difference of the initial coverage limit and the catastrophic coverage threshold, as described in the Medicare Part D prescription drug program administered by the United States federal government. After a Medicare beneficiary surpasses the prescription drug coverage limit, the Medicare beneficiary is financially responsible for the entire cost of prescription drugs until the expense reaches the catastrophic coverage threshold... What is the Donut Hole?

Long Term Care Associates, Inc.: Long Term Care Associates, Inc. is an independent broker that consults specifically about long-term care insurance and long-term care planning with more than 14 years experience. We represent the major carriers and offer traditional and NYS Partnership plans as well as life insurance policies with long-term care riders, Medicare Supplement plans annuities and life settlements. We work with individuals, couples, businesses, banks, associations, school districts and municipalities. Our mission is to educate our clients about the importance of long-term care planning in order to avoid the financial and emotional consequences of a long-term care illness. We provide objective, unbiased information so that our clients purchase the most comprehensive, affordable coverage... Long Term Care Associates, Inc.