Medicare is health insurance for:

• People age 65 or older
• People under age 65 with certain disabilities
• People of any age with end-stage renal disease (ESRD: permanent kidney failure requiring dialysis or a kidney transplant)

These different parts of Medicare help cover specific services:

Original Medicare

• Is run by the Federal government
• Provides your Medicare Part A and Medicare Part B coverage
• You can join a Medicare prescription drug plan (Medicare Part D) to add drug coverage
• You can buy a Medigap policy sold by private insurance companies to help fill the gaps in Medicare Part A and Medicare Part B
• coverage (such as coinsurance, copayments and deductibles)

Medicare Part A Hospital Insurance (original medicare tab)

Original Medicare helps cover inpatient care in hospitals, skilled nursing facility, hospice and home health care

Medicare Part B Medical Insurance (original medicare tab)

Medicare Part B helps cover medically necessary services like doctors’ services, outpatient care, home health services and other medical services. Medicare Part B also covers some preventive services. You can find out if you have Medicare Part B by looking at your Medicare card.

You pay the Medicare Part B premium each month. Most people will pay the standard premium amount.

Please contact us if you have any questions or want to get enrolled. Consultation and enrollment assistance are both free.

Medicare Advantage Plans / Medicare Part C

A Medicare Advantage Plan (like an HMO or PPO) is another health coverage choice you may have as part of Medicare.

Medicare Advantage Plans, sometimes called Medicare Part C or MA Plans, are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, the plan will provide all of your Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) coverage. In all plan types, you’re always covered for emergency and urgent care.

Medicare Advantage Plans must cover all of the services that Original Medicare covers except hospice care. Original Medicare covers hospice care even if you’re in a Medicare Advantage Plan. Medicare Advantage Plans aren’t considered supplemental coverage.

Medicare Advantage Plans may offer extra coverage, such as vision, hearing, dental, and/or health and wellness programs. Most include Medicare prescription drug coverage. In addition to your Medicare Part B premium, you usually pay one monthly premium for the services provided.

Please contact us if you have any questions or want to get enrolled. Consultation and enrollment assistance are both free.

Medicare Part D Prescription Drug Coverage

It’s a prescription drug option run by private insurance companies approved by and under contract with Medicare helps cover the cost of prescription drugs. May help lower your prescription drug costs and help protect against higher costs in the future

Medicare offers prescription drug coverage (Medicare Part D) to everyone with Medicare. To get Medicare drug coverage, you must join a Medicare Part D plan run by an insurance company or other private company approved by Medicare. Each plan can vary in cost and the covered drugs.

There are two ways to get Medicare prescription drug coverage:

1. Medicare Prescription Drug Plans. These plans add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service Plans, and Medicare Medical Savings Account Plans.
2. Medicare Advantage Plan (like an HMO or PPO) or other Medicare health plans that offer Medicare prescription drug coverage. You get all of your Medicare Part A and B coverage, and prescription drug coverage (Part D), through these plans.

Please contact us if you have any questions or want to get enrolled. Consultation and enrollment assistance are both free.

Medicare Supplement Basics

Original Medicare covers many healthcare services and supplies, but there are many costs it does not cover. A Medigap policy is health insurance sold by private insurance companies to fill gaps in Original Medicare coverage.

Medigap policies do not work with any other type of health insurance including:

• Medicare Advantage Plans
• Employer/union group coverage
• Veterans Administration benefits
• TRICARE

Medigap policies help pay your share (coinsurance, copayments, or deductibles) of the costs of Medicare-covered services. Some Medigap policies cover certain costs not covered by Original Medicare.

Please contact us if you have any questions or want to get enrolled. Consultation and enrollment assistance are both free.

We do Medicare Education Seminar for nursing home, senior living facility, adult daycare, etc. Please contact us to schedule an educational seminar for your group.