What is Medicare?

Medicare is the federal health insurance program for people who are 65 or older.  It also covers younger individuals who are disabled and people with End-Stage Renal Disease (ESRD).

Part A: covers hospitalization, SNF (skilled nursing facility), hospice care and some home health care.

Part B: covers doctor visits, outpatient procedures, preventative services, durable medical equipment (canes, walkers, oxygen), and much more.

Part C: Medicare Advantage Plans – are network-based plans. Most Medicare Advantage plans include Prescription Drug Coverage. When you are enrolled in this Plan, Medicare services are covered through your Plan, and not paid for under Original Medicare.

Part D: Prescription Drug Coverage (helps you pay for your prescription drugs).

CAUTION: If you sign up for Original Medicare only (Part A and Part B), you are leaving yourself wide open for large out of pocket expenses.

Ask us for the A/B chart to learn about your deductibles, copays, and co-insurance.  This chart is updated annually.