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Medicare

What Is Medicare ?

I m Turning 65 What’s Medicare?

Medicare is a federal government health insurance program available for:

  • People who are 65 or older
  • Certain younger people with disabilities
  • People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)

What are the different parts of Medicare and what specific services are covered:

 

  • Medicare Part A (Hospital Insurance)
  • Part A covers inpatient hospital stays, some home health care, care in a skilled nursing facility and hospice care.
  • Medicare Part B (Medical Insurance)
  • Part B covers certain doctors’ services, outpatient services, durable medical supplies, and preventive services.

 

Medicare Part C (Medicare Advantage Plans)

This is another type of Medicare health plan offered by a private company that contracts with the Centers for Medicare and Medicaid Services. Medicare Advantage Plans cover all your Part A and Part B benefits. Medicare Advantage Plans include :

 

  • Health Maintenance Organizations more commonly known as HMO’s
  • Preferred Provider Organizations commonly known as PPO’s
  • Private Fee-for-Service Plans (PFFS)
  • Special Needs Plans (SNP)
  • Medicare Medical Savings Account Plans

 

If you’re enrolled in a Medicare Advantage Plan:

 

  • Most Medicare services are covered by the insurance plan
  • Medicare services are not paid for by Original Medicare
  • Most Medicare Advantage Plans include (Part D) 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
  • Medicare Medical Savings Account Plans

 

These plans are offered by insurance companies and other private companies approved by Medicare and contracted with the Centers for Medicare and Medicaid Services CMS. Medicare Advantage Plans may also offer prescription drug coverage that follows the same basic rules established for all Medicare Prescription Drug Plans.

 

Not sure what kind of coverage you have?

  • Check your red, white, and blue Medicare card.
  • Check any other health insurance cards that you use. Call the phone number on the insurance cards to get more information about your coverage.
  • Check your Medicare health or drug plan enrollment.
  • Call us at 1-866-936-3831.
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