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Medicare Choices Simplified”

Dayspring Benefits, LLC, formerly Medicare Basic, is an independent health insurance agency dedicated to helping those eligible to find Medicare Supplement Insurance to meet their needs. Making medicare insurance decisions can sometimes be a little overwhelming. We’re here to answer your questions and help simplify that process!

What is Medicare?

Medicare is the federal health insurance program administered by the Centers for Medicare and Medicaid Services (CMS) for:

  • People who are 65 or older and have paid Medicare taxes, which should have been deducted from your paycheck, for at least 10 years during their lifetime
  • Certain younger people with disabilities
  • People with End-Stage Renal Disease (ESRD)

Parts of Medicare:

hospital clipart
  • MEDICARE PART A (Hospital Insurance)
    Part A covers inpatient hospital stays, skilled nursing facility care, hospice care, as well as some home health care. Part A is administered and managed by the government.
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  • MEDICARE PART B (Medical Insurance)
    Part B – certain doctors’ services, outpatient care, medical supplies, and preventive services. Part B is administered and managed by the government.
  • MEDICARE PART C (Advantage Plans)
    Part C -Medicare Advantage is an “all in one” alternative to Original Medicare. These bundled plans include Part A, Part B, and usually Part D. Advantage plans are run by private insurance companies, although they are regulated by the government.
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  • MEDICARE PART D (Drug Coverage)
    Part D -Helps cover the cost of prescription drugs.
    Medicare drug coverage plans are run by private insurance companies, although they are regulated by Medicare.

The 2 Main Ways To Get Medicare are:



medigap original medicare pictograph advantage plans part c pictograph

Original Medicare to Medicare Advantage (Part C) Partial Comparison:

You can go to any doctor or hospital that takes Medicare, anywhere in the U.S.
In many cases, you’ll need to use doctors and other providers who are in the plan’s network and service area for the lowest costs. Some plans won’t cover services from providers outside the plan’s network and service area.
In most cases, you don’t need a referral to see a specialist.
You may need to get a referral to see a specialist.
You pay a premium (monthly payment) for Part B. If you choose to join a Medicare drug plan (Part D), you’ll pay that premium separately.
You may pay the plan’s premium in addition to the monthly Part B premium. (Most plans include drug coverage (Part D).) Plans may have a $0 premium or may help pay all or part of your Part B premiums.
There’s no yearly limit on what you pay out of pocket, unless you have supplemental coverage—like Medicare Supplement Insurance (Medigap).
Plans have a yearly limit on what you pay out of pocket for services Medicare Part A and Part B covers. Once you reach your plan’s limit, you’ll pay nothing for services Part A and Part B covers for the rest of the year.
This was only a partial comparison of the two ways to get Medicare. To see the full comparison, go to:
Original/Part C Comparison Chart

Medicare Supplements (Medigap)

Medicare Supplement Insurance, also known as “Medigap,” helps to fill in the “gaps” in Original Medicare and is sold by private insurance companies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, as shown in the chart below, where we will take a look at plans G and N (the two most popular plans available to newly eligible Medicare beneficiaries). To see all of the Medigap plans, click here: Medicare Supplement Plans

Plan G
Plan N
Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used)
Medicare Part B coinsurance or copayment
Blood (first 3 pints)
Part A hospice care coinsurance or copayment
Skilled nursing facility care coinsurance
Part A deductible
Part B deductible
Part B excess charges
Foreign travel exchange (up to plan limits)

* Plan N pays 100% of the costs of Part B services, except for copayments for some office visits and some emergency room visits.


Click the phone number above to call us and find out how you can pick up a Medicare Supplement plan, change plans or even shop better rates for the same exact plan that you are on now!