Understanding Medicare and choosing the best option is very important. The following information is provided as a starting point for the education process. Visit my Medicare University for a more comprehensive look at the different aspects of the Medicare puzzle. Do not make this decision without the council of a Licensed Qualified Medicare Counselor. Our process of educating you on your Medicare rights, options and entitlements prepares you to be able to make the most informed decision for your health care during your retirement. Our MEDICARE UNIVERSITY is an outstanding resource to help you learn more about the many pieces of the Medicare puzzle. It has printed material and videos that take you step by step through the educational process of learning about Medicare. We are also making our "The Baby Boomer's Guide to Medicare Planning" available.
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What is Medicare?
Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).
The different parts of Medicare help cover specific services:
Medicare Part A (Hospital Insurance)
Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
Medicare Part B (Medical Insurance)
Part B pays certain doctors' services, outpatient care, medical supplies, and preventive services.
Medicare Part C (Medicare Advantage Plans)
A type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. If you’re enrolled in a Medicare Advantage Plan, most Medicare services are covered through the plan and aren’t paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.
Medicare Part D (Prescription Drug Coverage)
Part D adds prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service Plans, and Medicare Medical Savings Account Plans. These plans are offered by insurance companies and other private companies approved by Medicare. Medicare Advantage Plans may also offer prescription drug coverage that follows the same rules as Medicare Prescription Drug Plans. Visit my MEDICAREFUL site to learn which plans are available in our area and to get your INSTANT quote.