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Posted 08/18/2023 in Medicare Advantage

Medicare in Fenton, MO

Medicare in Fenton, MO

Medicare in Fenton, MO

Why Fenton, MO is a Great Place to Live

Fenton, Missouri, is a great place to live for many reasons. Located in St. Louis County, Fenton offers its residents access to all the amenities of the city while still enjoying a small-town atmosphere. From historic downtown areas with quaint shops and restaurants to plenty of outdoor recreational activities, Fenton has something for everyone. Here are just some of the reasons why living in Fenton is such an enjoyable experience:

1) Low Cost Of Living: Living in Fenton is affordable compared to other parts of St. Louis County and surrounding townships. The median home price here is much lower than that of St. Louis City or St Charles County, making it possible for people on any budget to find housing in this area that fits their needs perfectly. Plus, no local taxes are applied here, which helps keep living expenses low throughout the year!

2) Small-Town Atmosphere: Despite being close to larger cities like St Louis and Clayton, Fenton offers its unique small-town atmosphere that makes residents feel right at home as soon as they move into town. Everyone knows everyone here, which often leads to strong community bonds through social events or simply bumping into friends while shopping or at dinner together! 

3) Outdoor Activities Galore: You'll always have outdoor recreational activities when living in Fenton! With two public parks (Upper Park and Lower Park), miles upon miles of trails along bluffs overlooking rivers/lakes, plus nature preserves all around. There's something new every season just waiting to be explored by curious locals looking for adventure! 

4) Excellent School System: Whether you have children or not, having a quality school system nearby only adds more value to your choice of living. Fortunately – that's precisely what you get when living in Fenton, MO – an excellent school system providing educational excellence from K-12.

Part A in Fenton, MO

Medicare Part A is a type of health insurance coverage that helps pay for hospital stays, nursing homes, home health care services, hospice care services, and certain other medical expenses. 

Part A has a per-benefit deductible when you go into the hospital. In 2023 the deductible was $1600.  

Once you pay your deductible, you're covered for 60 days in the hospital. 

After that, you'll pay a copay depending on how long you stay.

  • For days 61-90 in 2023, you pay a daily copay of $400.
  • Days 91-150 in 2023, you are using your Lifetime Reserve Days, paying $800 daily.

Skilled Nursing Care is also covered by Part A, and you'll get the first 20 days free as long as you are in the hospital as an inpatient. From days 21-100, you'll pay a copay. In 2023 the copay was $200 per day.  

You pay all costs if you stay in the SNF longer than 100 days. Medicare does not cover long-term care costs.

If you need to use your Part A benefits, you won't likely be disappointed.

The first hospital to be introduced is the Fenton Regional Medical Center, a sprawling complex equipped with the latest advancements in medical technology. Focusing on comprehensive care, this facility aims to become a hub for specialized treatments such as cardiology, oncology, and neurology. The hospital boasts an exceptional team of physicians and specialists committed to delivering personalized care tailored to each patient's needs.

Part B in Fenton, MO

Part B covers doctors and other healthcare providers.  Unlike Part A, there is a Part B premium.  In 2023 the premium was $164.90 for most, but some paid more or less based on income.

There is also a deductible.  In 2023 it was $226. Once you pay the deductible, Medicare covers 80% and you'll pay 20%.

If you need to find doctors who accept Part B, you can find comprehensive services and additional support at Fenton Family Medicine, such as nutrition education and behavioral therapy. This team of providers will help you explore treatment options and design a plan that is just right for your unique needs. Plus, they accept most major insurance plans, making their services accessible to families from all walks of life. 

For those needing specialty care, there's South County Health Center – a multidisciplinary practice focused on delivering comprehensive treatments for various conditions such as diabetes and cardiovascular diseases. Staffed with experienced nurses and physician assistants who collaborate with board-certified specialists, this clinic provides personalized attention to address any health challenges an individual may have at any age or stage of life. 

Fenton is also home to Pathways Psychological Services – a counseling facility providing mental health treatments tailored to individual needs through evidence-based practices like cognitive behavioral therapy (CBT) or dialectical behavior therapy (DBT). Their clinicians offer supportive counseling and skill-building techniques that get results quickly so people can utilize them in everyday situations outside their office too! 

No matter what type of healthcare assistance you require in Fenton, MO, there's sure to be a doctor group offering precisely what you need! Whether it's primary care services or specialized treatments like eating disorder management or chronic pain management, these dedicated teams will always provide exceptional service because their top priority is always getting patients feeling better quicker!

Part D in Fenton, MO

With the rising cost of prescription medications and the increasing number of retirees in the area, it has become more important than ever for seniors to access affordable and comprehensive drug coverage. Medicare Part D provides just that.

Through this program, eligible individuals can choose from a range of prescription drug plans offered by private insurance companies. These plans help beneficiaries pay for their prescription drugs and ensure they have access to the medications they need at an affordable price. In Fenton, MO, where many seniors rely on multiple medications to manage chronic conditions, having a robust Medicare Part D plan can make all the difference in their quality of life.

Medicare Advantage in Fenton, MO

If you're looking for reliable health insurance coverage in Fenton, MO, Medicare Advantage may be your plan. Medicare Advantage is a health insurance plan offered by private insurers that gives recipients access to additional benefits not provided in traditional Medicare plans. With Medicare Advantage plans in Fenton, Missouri, residents can get the coverage they need while taking advantage of some great perks.

Medicare Advantage Plans offer comprehensive coverage for all types of medical services, including hospital care, physician visits, prescription drugs, and more. In addition to traditional coverage options, these plans provide extended benefits such as vision care, hearing aids, and routine dental services. Some plans even include gym memberships or discounts at select retail stores. This means recipients can benefit from expanded coverage while saving money on everyday items.

When selecting a plan, Fenton residents also have access to quality customer service support. Through their online portals, customers can search for providers within their local area and compare different plans side-by-side based on cost and other criteria, such as deductibles or copays, before deciding which plan is right for them. Additionally, many insurers provide extended customer service support via phone or email, making it easy to get answers quickly if needed during the selection process.

Overall, Medicare Advantage offers Fenton, MO seniors flexible yet dependable healthcare options with added perks like vision care and retail discounts that aren't found with standard Medicare plans - allowing enrollees peace of mind knowing they have solid protection against unexpected medical expenses without sacrificing financial freedom or lifestyle choices.

Because these plans can be complicated, we recommend working with a Medicare Advisor. 

You can find them on this site at https://CertifiedMedicareAgents.com

Medicare Supplement insurance in Fenton, MO

Medicare Supplement insurance, also known as Medigap plans, fills in the gaps left by original Medicare coverage. It helps cover expenses such as deductibles, copayments, and coinsurance that can quickly add up for seniors on fixed incomes. By choosing a Medigap plan in Fenton, MO., individuals can minimize their out-of-pocket costs and access a broader range of healthcare providers without any network restrictions.

If a provider accepts original Medicare, they must accept any Supplement Plan you have (not so for Medicare Advantage).

Picking a Medicare Supplement insurance plan can be overwhelming. 

Two of the most popular plans on the market are Plan G and Plan N, which provide excellent coverage options for seniors. Both plans provide for the deductibles and copays of traditional Medicare, but they have some key differences that make them suitable for different people. To help you decide which plan is right, let's compare Medicare Supplement Plan G vs. Plan N in detail. 

Plan G covers you at 100% for all covered services after the Part B deductible ($226 in 2023). This means that if you've paid your deductible and then go to see a doctor or go to an emergency room, you won't have to pay anything out-of-pocket because your supplement plan will cover it all in full. 

After your deductible, it also pays 100% of any additional costs associated with medical services like lab tests or X-rays prescribed by your doctor, so there's no worry about these expenses either. 

In addition to this comprehensive coverage, some companies may offer a gym membership at no extra cost depending on their specific policy terms and conditions. 

Plan N provides basic supplemental coverage similar to Plan G's but with a copay of $20 for the doctor and $50 for the emergency room. You also must pay the deductible on this plan. 

One more thing you'll have to cover is any excess doctor fees your doctor may charge. Excess doctor fees are 15% above the approved rate, with no annual cap.

The idea behind this plan is that those who choose it will save money by paying more out-of-pocket upfront instead of leaving those costs open-ended with full coverage under Plan G. 

Both plans offer solid protection against unexpected healthcare expenses, which can quickly add up even when covered under Original Medicare alone.

Neither plan includes extra benefits such as dental or vision.

Working with a Medicare Agent in Fenton, MO

Navigating the complex world of Medicare can be overwhelming for many individuals. That's where a Medicare agent in Fenton, MO, comes in. These knowledgeable professionals are here to guide you through the process of choosing the right Medicare plan for your specific needs.

A Medicare agent in Fenton, MO, has extensive knowledge and experience in understanding the intricacies of Medicare coverage options. They will take the time to sit down with you and explain all the available plans, helping you decide which one is best for you. Whether it's Original Medicare, Part D prescription drug coverage, or Medicare Advantage plans, these agents can provide valuable insights into each option.