Medicare Options with Vantage Point Risk

Welcome to the latest blog post from Vantage Point Risk! Today, we’re diving deep into the world of Medicare, exploring the various options available to you. Whether you’re approaching retirement age or helping a loved one navigate these choices, this guide will provide you with comprehensive insights tailored for businesses and personal insurance buyers in the Pacific Northwest and surrounding regions.

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Understanding Medicare: A Brief Overview

Medicare, a federal health insurance program, primarily caters to individuals aged 65 and older. It also serves people with certain disabilities and those with End-Stage Renal Disease (ESRD). There are several parts to Medicare, each offering different types of coverage:

  • Medicare Part A (Hospital Insurance): Covers inpatient hospital stays, care in skilled nursing facilities, hospice care, and some home health care.
  • Medicare Part B (Medical Insurance): Covers certain doctors’ services, outpatient care, medical supplies, and preventive services.
  • Medicare Part C (Medicare Advantage Plans): A type of Medicare health plan offered by private companies that contract with Medicare to provide all your Part A and Part B benefits.
  • Medicare Part D (Prescription Drug Coverage): Adds prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service Plans, and Medicare Medical Savings Account Plans.
Medicare Options

Exploring Medicare Options with Vantage Point Risk

Original Medicare

  • Coverage: Original Medicare includes Part A and Part B.
  • Choice of Providers: You can visit any doctor or hospital that accepts Medicare.
  • Cost: Generally, there is a cost for each service.

Medicare Advantage Plans

  • Coverage: These plans, often called “Part C” or “MA Plans,” are offered by private companies approved by Medicare. They provide all of Part A and Part B services and often include drug coverage (Part D).
  • Choice of Providers: Depends on whether you choose a HMO or PPO plan.
  • Cost: Varies based on the plan and services used.

Medicare Supplement Insurance (Medigap)

  • Coverage: Sold by private companies to help cover some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles.
  • Choice of Providers: Any provider that accepts Medicare.
  • Cost: Varies based on the policy and coverage.

Medicare Part D (Prescription Drug Coverage)

  • Coverage: Helps cover the cost of prescription drugs.
  • Choice of Providers: Depends on the plan’s formulary.
  • Cost: Varies based on the plan chosen.

Key Takeaways

  1. Understand Your Needs: Assess your healthcare needs before choosing a plan.
  2. Compare Costs: Look at premiums, deductibles, copayments, and coinsurance.
  3. Provider Flexibility: Consider if you need freedom to choose your healthcare providers.
  4. Prescription Drug Coverage: Ensure your medications are covered under the plan you choose.
Medicare Options


Selecting the right Medicare option can be complex, but with the help of Vantage Point Risk, you can make a well-informed decision. Our team of experts is here to guide you through every step of the process. Remember, it’s about finding the plan that best fits your individual health and financial needs.

For more information, visit our website at Vantage Point Risk or contact us directly at 541-681-8793.


  1. When can I enroll in Medicare?
  • You can enroll during the 7-month period that begins 3 months before you turn 65.
  1. Can I switch Medicare plans?
  • Yes, during the annual Open Enrollment Period or under certain special circumstances.
  1. Does Medicare cover long-term care?
  • Medicare does not cover long-term care if that’s the only care you need.

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