Welcome to The Praesidium Agency

Making sense of Medicare can be frustrating. Our Gray Medicare brokers provide personalized assistance guiding you through the coverage you need at a cost you can afford. We focus on key areas to help you identify the plan that is best for you.

Who is eligible for Medicare?

Medicare is health insurance for people who are age 65 or older, under 65 with certain disabilities, or any age with End-stage Renal Disease (permanent kidney failure), or ALS (Lou Gehrig’s Disease). There are four parts of Medicare.

Medicare Part A

Medicare Part A helps cover inpatient care in hospitals, skilled nursing facilities, and hospice and home health care. Generally, there is no monthly premium if you qualify and paid Medicare taxes while working.

Medicare Part B

Medicare Part B helps cover medical services like doctors’ services, outpatient care and other medically necessary services that Part A doesn’t cover. You need to enroll in Medicare Part B and pay a monthly premium determined by your income, along with a deductible.

Medigap Plans

Many people also purchase a supplemental insurance policy, such as a Medigap plan, to handle many Part A and B coverage gaps. These plans give access to a wide range of providers nationwide and limit out of pocket costs.

Medicare Advantage Plans

Medicare Advantage Plans, also known as Medicare Part C, are combination plans managed by private insurance companies approved by Medicare. They typically are a combination of Part A, Part B and sometimes Part D coverage, but must cover medically necessary services. These plans have discretion to assign their own copays, deductibles and coinsurance.

Medicare Part D

Medicare Part D is prescription drug coverage and is available to everyone with Medicare. It is a separate plan provided by private Medicare-approved companies, and you must pay a monthly premium.