U.S. citizens and legal residents Legal U.S. citizens who are:
Age 65 or older.
Younger than 65 with a qualifying disability.
Any age with End-Stage Renal Disease (ESRD) or Lou Gehrig's disease (ALS).
Medicare Coverage
Medicare has different parts that help cover specific services:
Medicare Part A (Hospital Insurance) - Part A helps cover inpatient care in hospitals, including critical access hospitals, and skilled nursing facilities (not custodial or long-term care). It also helps cover hospice care and some home health care. Beneficiaries must meet certain conditions to get these benefits. Most people don't pay a premium for Part A because they or a spouse already paid for it through their payroll taxes while working.
Medicare Part B (Medical Insurance) - Part B helps cover doctors' services and outpatient care. It also covers some other medical services that Part A doesn't cover, such as some of the services of physical and occupational therapists, and some home health care. Part B helps pay for these covered services and supplies when they are medically necessary. Most people pay a monthly premium for Part B.
Medicare Part D (Prescription Drug Coverage) - Medicare prescription drug coverage is available to everyone with Medicare. To get Medicare prescription drug coverage, people must join a plan approved by Medicare that offers Medicare drug coverage. Most people pay a monthly premium for Part D.
Medicare Advantage (Part C)
Another way to get your Medicare benefits:
An alternative to Original Medicare.
Plan members are still in the Medicare program.
Benefits are administered by the plan.
Plans offered by private insurance companies.
All Medicare Advantage plans cover:
All the benefits of Part A (except hospice care, which is still covered by Part A).
All the benefits of Part B.
Most Medicare Advantage plans cover:
Prescription drugs (Part D).
Preferred Provider Organization plans (PPO).
Medicare Advantage plans may offer additional benefits, such as:
Dental
Vision
Hearing
Medicare vs. Medicaid
The terms Medicare and Medicaid sound similar but are two very different things. Learn the differences in this informative article.
Medicare Supplement Insurance (Medigap)
Medigap is Medicare Supplement Insurance that helps fill "gaps" in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy may cover services that Original Medicare doesn't cover, and can help cover some of the remaining healthcare costs.
Medigap policies generally don't cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing.
There are two ways to get prescription drug coverage:
Medicare Prescription Drug Plan (Part D) . These plans (sometimes called "PDPs") add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.
Medicare Advantage Plan (Part C) like an HMO or PPO) or other Medicare health plan that offers Medicare prescription drug coverage. You get all of your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage, and prescription drug coverage (Part D), through these plans. Medicare Advantage Plans with prescription drug coverage are sometimes called “MAPDs.” You must have Part A and Part B to join a Medicare Advantage Plan.
Medicare Costs
To review Medicare Part A, Part B, Part C and Part D costs at a glance, visit Medicare.gov.
Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.
Get in touch Contact us now. Call or email to set up an appointment!
