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Medicare

What is Medicare?

Administered by the Centers for Medicare and Medicaid Services, Medicare is a government health insurance program for people:

• Age 65 or older
• Under age 65 with certain disabilities
• Of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant)

What do Medicare benefits include?

Medicare Part A (hospital insurance)

Part A covers hospital insurance. Most people don't pay a premium for Part A because they or a spouse already paid for it through payroll taxes while working. Part A helps cover inpatient care in hospitals, including critical access hospitals, and skilled-nursing facilities. It also helps cover hospice care and some home health care. You must meet certain conditions to get these benefits.

Medicare Part B (medical insurance)

Most people pay a premium for Part B. It helps cover doctors' services and outpatient care. It also covers some services, such as physical and occupational therapists and some home health care not covered by Part A. Part B helps pay for these covered services and supplies when they are medically necessary.

Medicare Part C (Medicare Advantage)

Medicare Part C, also called Medicare Advantage (MA) plans, are a different way to get Parts A and B. The government pays a private insurance company you select to manage your care. Clients have the option to add Medicare Part D (prescription drug coverage) if it is not already included. Medicare Advantage plans include: Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), Private-fee-for-Service (PFFS) plans, and Medicare special needs plans.

Medicare Part D (prescription drug coverage)

Medicare Part D helps cover the cost of your prescription drugs. You must first enroll in Medicare Part A or B, or both to be eligible to enroll in Part D. To get this coverage, you choose a private insurance plan.

Many different drug plans are available under this program. Each plan must offer coverage for certain basic medications. Each plan has a list of covered prescription drugs (also called a formulary). The list includes the basic medications and additional drugs the company chooses to cover. The additional drugs may vary from plan to plan. Learn more

Medicare Supplement Insurance Policies

These are private insurance policies you can buy to to supplement your Medicare Parts A and B coverage. For example, a supplemental policy would cover the hospital deductible that Medicare doesn't pay. Get company and rate information

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