Understanding Medicare in Frazee & Pelican Rapids, Minnesota

Understanding Medicare

Navigating Medicare & Healthcare can feel overwhelming — but it doesn’t have to be.

At Solberg Insurance, we’re here to make it simple. Our licensed agents can help you understand your choices so you can select coverage that fits your health needs, lifestyle, and budget.

Medicare Part A – Hospital Insurance

What it covers:

Inpatient hospital stays
Skilled nursing facility care
Hospice care
Limited home health care

Cost:

Most people don’t pay a monthly premium for Part A if they or their spouse paid Medicare taxes while working.
You may still have deductibles and coinsurance depending on the length of your hospital stay.

Pros:

Covers major hospital and inpatient costs
Usually premium-free

Cons:

Limited coverage for long-term or custodial care
Deductibles and coinsurance can apply

Medicare Part B – Medical Insurance

What it covers:

Doctor visits and preventive care
Outpatient services and lab work
Durable medical equipment (wheelchairs, oxygen, etc.)
Some home health services

Cost:
Part B requires a monthly premium (based on income), plus a small deductible and 20% coinsurance for most services.

Pros:

Helps with day-to-day medical care
Accepted by providers nationwide

Cons:

Monthly premium required
No annual cap on out-of-pocket expenses

Medicare Part D – Prescription Drug Coverage

What it covers:

Helps pay for prescription medications
Offered through private insurance companies approved by Medicare

Cost:
Premiums vary by plan. You’ll also pay a share of your prescription costs through copays or coinsurance.

Pros:

Lowers your prescription costs
Protection from high medication expenses

Cons:

Separate premium from Parts A & B
Each plan covers a different list of drugs (“formulary”)

Medicare Advantage (Part C)

What it is:
Medicare Advantage plans are offered by private insurance companies and combine Part A (hospital), Part B (medical), and often Part D (prescriptions) into one convenient plan.
Many also include extra benefits like dental, vision, hearing, and wellness programs.

Pros:

All-in-one coverage with one ID card
Often includes prescription, dental, and vision coverage
Predictable out-of-pocket costs with annual limits

Cons:

You may need to use in-network providers
Benefits and costs can change annually

We’re Here to Help

Choosing the right Medicare coverage can make a big difference in your healthcare experience and overall costs.
Our friendly team at Solberg Insurance is happy to walk you through your options, answer your questions, and help you enroll in a plan that gives you confidence and peace of mind.

Call us today: (218) 234-2994
Locations: Frazee & Pelican Rapids, MN
Serving: The greater lakes area and surrounding communities