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Are You Confused About Medicare?

Clarifying Medicare in 5 minutes...


Bringing clarity to the confusion around the different parts of Medicare


Hospital Insurance

This helps cover in-patient care in hospitals, skilled nursing facility care, home health care, and hospice. The cost component of Part A includes a zero-dollar monthly premium with 10 or more years of work experience. This includes a hospital deductible of $1,600 in 2023.

*Original Medicare


Medical Insurance

This helps cover services from doctors and other health care providers, outpatient care, preventive and diagnostic tests lab tests, and durable medical equipment. The monthly Part B base premium is $170.10 in 2022. This may vary based on income. There is also an annual Part B deductible of $226 in 2023.

*Original Medicare


Medicare Advantage

Part C includes Part A and Part B type coverage through private insurance companies and typically bundles prescription drugs and other health benefits as well. Medicare Advantage plans are an alternative to Original Medicare from the federal government. Monthly premiums are often $0 but deductibles, insurance, and copays are paid as medical services are incurred.


Prescription Drug Coverage

This is coverage for prescription drugs you pick up from the pharmacy or via mail order. Part D is offered through plans approved by Medicare and sold by private insurance companies. Monthly costs include premiums, deductibles, and drug copays. Like Part B, the Part D premiums may vary based on income. Drug copays can vary by pharmacy as well.

Part "YOU"

Part "YOU” starts with:

  1. Understanding your current health, family, and retirement situation—your wants, needs, and worries.
  2. Identifying how to address the uncovered Medicare coverage gaps with Medicare Supplement plans.
  3. Checking your doctor participation and drug coverage as you consider Part C plans.
  4. Evaluating your current medication list to find the lowest cost Part D plan for your meds.
  5. Showing how to cover important health care needs that Medicare does not cover, like dental, vision, hearing, and long-term care.
  6. Listening, and explaining in simple terms your options so you can arrive at a personalized Medicare coverage solution that’s right for you.

And it means staying with you as health and plans change over time to always have you in the right coverage along the way.

The 7 Solutions to your medicare confusion

Mark Kapsky

Five Part Medicare / Owner


As a Medicare Specialist, I have the expertise to answer your questions and guide you through the entire enrollment process. As an Independent Advisor and Broker, I can provide an unbiased perspective to help you find the right plan and coverage for your situation. As a fellow Baby Boomer, I walk in your shoes every day and understand your concerns. There is never a fee to you for my time and advice--take advantage of my expertise. Remember, I can't help you until we talk, but if we talk, I won't let you down.

Book your Medicare Clarity Call TODAY!

Book Your Clarity Call Today!

Sign up for a 30 min clarity call where I find out what YOUR desires, wants, needs, and worries are. When we clarify these important and personal topics, you'll know what options are available! This allows us to create a personalized action plan so you know what steps to take next so that you can gain clarity.

FREE Mini-Ebook!

Top 10 Things About Medicare That Can Hurt You!

✔ Learn the importance of timely Medicare enrollment decisions!

✔ Understand there can be lifetime Medicare financial and coverage penalties!

✔ Discover the "Hidden" part of Medicare most people don't know that you must address!

“Bottom line: if you are approaching 65, and have questions/anxiety about Medicare options, save yourself a lot of time (and trepidation about the myriad of options) and call Mark Kapsky. My wife and I spent a lot of time reading up on websites and looking at information. We were still confused, and a little bit worried about how Medicare would work best for us after a lifetime of private insurance. Mark is a fountain of knowledge: he calmly and clearly laid it all out for us in about 30 minutes. He clarified our options and guided us to the best solution for our needs, both for Medigap Insurance and Prescription Drug plans. In short, Mark is a true professional--he not only knows his stuff, but he is a pleasure to work with.”


Retiring Couple

641 Shunpike Road #314, Chatham, New Jersey 07928



CMS disclaimer--We do not offer every plan available in your area. Currently we represent 8 Organizations which offer 56 products in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. We are a Non Governmental Website.

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