Medicare Services

It is the U.S. Federal Government Health Insurance Program for:

• People 65 years of age and older.

• Some people with disabilities under the age 65.

• People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or transplant)

Part A: Hospital Insurance 

• Most people do not have to pay for Part A.​

Part B: Medicare Insurance

• Most people pay a monthly for Part B depending on income.

Part C: Medicare Advantage Plans

• Medicare Advantage plans are offered by private insurance companies as an alternative to Original Medicare often without benefits.

Part D: Prescription Drug Coverage

• Part D plans are offered by private companies to provide coverage for prescription drug costs; plans are government subsidized and regulated.​

• Medicare approved plans offered by private insurance companies.

• Each uses a specific type of network (HMO, PPO, SNP

• Most plans include prescription drug coverage as a built-in benefit.

• Many include extra benefits such as vision and hearing that traditional Medicare does not cover.

• Set benefits including copays/ coinsurances for medical services.

• Medicare supplement policies fill in gaps in Original Medicare coverage such as co-pays and deductibles for hospitalization, doctor visits, and other medical services.​​

• Although these plans may cost more than Medicare Advantage plans, after paying the premium, there are few if any extra out-of-pocket expenses depending on the plan chosen.