We are a trusted insurance agency, and we often get asked what exactly Medicare is and how this government insurance plan works. Simply put, Medicare is a federal health insurance program designed for individuals over the age of 65, as well as some younger people with disabilities. Medicare offers a variety of plans that can cater to different needs, allowing those in the program to access medical care, medical services, and prescription medications.
Medicare is divided into four main parts:
- Part A: This covers inpatient hospital stays, skilled nursing facilities, hospice, and some home health care.
- Part B: This includes outpatient care, including doctor visits, preventative services, and medical equipment.
- Part C: An alternative to Original Medicare, this plan bundles Part A, Part B, and sometimes, Part D, offering extra benefits like vision, dental, and wellness programs.
- Part D: This provides prescription drug coverage, helping with the cost of medications.
Medicare offers substantial support, but it does not cover everything. There are still costs like deductibles, co-pays, and premiums that may be associated with some plans. This is where our expertise comes in—we can help you select a supplemental plan to fill gaps in your coverage.
Whether you are new to Medicare or looking for better coverage, we are here to guide you and help you select the best plan to meet your healthcare needs and budget. For more information about our Medicare plan options, contact us today.