The Charles Lewis Insurance Agency

Here for your health and wellbeing.

Over 40 years experience in health insurance. Specializing in Senior and Individual health, life insurance, Final Expense plans, and ancillary products. Located in Colorado and assisting people with health insurance needs in the Rocky Mountain region.

Choosing a Medicare Plan that fits your lifestyle, health needs, and finances can be tricky!

But we are here to help.

What is Medicare anyway?

Original Medicare

Baseline Coverage for Eligible People

Original Medicare refers to the coverage under the first two parts of Medicare law, Parts A and B.

Part A:

Covers hospital stays, skilled nursing, hospice, and other facility-related services.

Part B:

Covers doctors visits, tests, therapy, and other Medical services not covered by Part A.

The government processes and pays claims for those with Part A and B coverage. There are deductibles and customers pay 20% of medical costs.

Part D:

Covers prescription drugs. If you have Original Medicare you must obtain Part D coverage when your Part B becomes active. These plans meet federal standards, but are sold by insurance companies.

Medicare Advantage Plans

All-in-One Medicare Coverage

Part C of the Medicare law authorized insurance companies to offer qualified health insurance companies to offer qualified health insurance plans that cover all major medical benefits covered under Parts A, B, and D. There are copays and coinsurance costs, but also a cap on the member’s out-of-pocket expenses for covered items each year.

So which plan is right for you?

Making the best choice for your Medicare supplemental coverage requires careful consideration of your health, lifestyle and other important factors. Let us help you navigate all of your options and answer all your questions about Medicare!