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Family Financial Solutions Group, Inc is a corporationowned by David Cheatham a licensed insurance agent in Arizona, Iowa, Illinois, Indiana, Kansas, Florida, Michigan, Missouri,Nebraska , New Mexico, Ohio, South Carolina, South Dakota, Texas #2029656, Virginia, Wisconsin NPN 7985810
He may not be licensed to sell all products in every state. Service and product availability varies by state. As a Sales agent, he may be compensated based on a consumer’s enrollment in a health plan. Agent cannot provide tax or legal advice.Contact your tax or legal professional to discuss details regarding your individual business circumstances. Any quoting tool on our website is provided for informational purposes only.All quotes are estimates and are not final until underwriting the consumer is enrolled.

Disclaimer: Content of this site and page is not CMS approved. This website is a private website and is not associated, endorsed or authorized by the Social Security Administration, the Centers for Medicare and Medicaid Services, or the Department of Health and Human Services, nor do we claim to be. Medicare has neither reviewed nor endorsed this information. This site contains basic information about Medicare, services related to Medicare and services for people with Medicare and is not connected with any government. If you would like to find more information about the US Government Medicare program, please visit the Official US Government Site for People with Medicare located at www.medicare.gov
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Original Medicare is the traditional fee-for-service program offered directly through the federal government. It is sometimes called Traditional Medicare or Fee-for-Service Medicare. Medicare was signed into law by President Johnson on July 30,1965 in Independence, MO, but beneficiaries were first able to sign-up for the program on July 1, 1966.

Under Original Medicare, the government pays directly for the health care services you receive. You can see any doctor and hospital that takes Original Medicare (and most do) anywhere in the country. Medicare Part A and B have premiums that Centers of Medicare Service (CMS) will inform you of your cost.  Part A generally has a $0 cost, but some do pay.  If you are a higher income earner you may pay more premium for your Part B and Part D. In Original Medicare:

• You go directly to the doctor or hospital when you think you need care. You do not need to get prior permission/authorization from Medicare or your primary care doctor.
• You typically pay a coinsurance for each service you receive.
• There are limits on the amounts doctors and hospitals can charge for your care.
• Original Medicare includes:
o Part A (Inpatient/Hospital coverage)
o Part B (Outpatient/Medical coverage)

Medicare Supplements or Medigap plans are available to fill these all or some of the holes in original Medicare.

If you want Medicare prescription drug coverage (Part D) with Original Medicare, in most cases you will need to actively choose and join a stand-alone Medicare private drug plan (PDP).

Unless you choose otherwise, you will have Original Medicare. Instead of Original Medicare, you can decide to get your Medicare benefits from a Medicare Advantage Plan (Part C), also called a Medicare private health plan. Remember, you still have Medicare if you enroll in a Medicare Advantage Plan. This means that you must still pay your monthly Part B premium (and your Part A premium, if you have one). Each Medicare Advantage Plan must provide all Part A and Part B services covered by Original Medicare, but can do so with different rules, costs, and restrictions that can affect how and when you receive care.

303 N. 2nd St. Ste 26
St. Charles, IL 60174

(630) 398-3329 TTY711
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