Perfecto © 2012: Privacy Policy

What is Medicare?


Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).


The different parts of Medicare help cover specific services:


Medicare Part A (Hospital Insurance)

Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.


Medicare Part B (Medical Insurance)

Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services.


Medicare Part C (Medicare Advantage Plans)

A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. If you're enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren't paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.


Medicare Part D (prescription drug coverage)

Part D adds prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service Plans, and Medicare Medical Savings Account Plans. These plans are offered by insurance companies and other private companies approved by Medicare. Medicare Advantage Plans may also offer prescription drug coverage that follows the same rules as Medicare Prescription Drug Plans.

Medicare does not cover routine Dental, Vision care or Hearing-aids.  Therefore, you need extra coverage beyond your Medicare insurance for these services.  There are many options available whether you are on a fixed income or have the money to afford good dental coverage.  We can point you in the right direction of what is a good solution for you. Contact us to review your extra insurance needs so you are covered properly with all of your insurance needs.


"Thank you for being such a help in finding me Dental and Vision insurance.  I appreciate your patience with all my questions and making sure I understood everything before I made the decision.  You made what could be a tough decision much easier for me."  Sharon - Tualatin

Life Insurance / Final Expense 


One of the primary reason to have life insurance in place is to make sure the ones we leave behind aren’t saddled with a financial burden created by medical expenses, funeral costs and other debts. Others choose term insurance aimed at providing a benefit for a specified period of time, usually during the working years to replace lost income. For other people, life insurance creates the opportunity to leave behind a lasting legacy that can help the next generations achieve their own life goals.  Final Expense coverage is for those that want to make sure their loved ones are not left with costs occured when you pass away.

Our Product Solutions

By providing information, you are giving permission for Shirley Ontiveros, a licensed agent to contact you.

Independent Insurance Brokers Specializing in Medicare Products