Medicare (Parts A & B)
Medicare is the federal government’s health insurance program for people 65 and older, or those with certain disabilities. Part A covers in-patient hospital care, nursing facility care, hospice care, and home health care. Part B covers outpatient services such as doctor visits, lab tests, medical equipment, and preventive care.
Medicare Advantage (Part C)
Medicare Advantage plans are offered by private insurance companies that work with Medicare to provide Part A and Part B benefits. They often include additional benefits like prescription drug coverage, vision, dental, hearing services, and wellness programs. Medicare Advantage plans may also have different costs, rules, and restrictions compared to Original Medicare.
Prescription Drug (Part D)
Part D plans are stand-alone plans that offer prescription drug coverage to people with Medicare. These plans are also offered by private insurance companies, and premiums, deductibles, and copays can vary between plans.
Frequently Asked Questions
We understand that navigating the Medicare system can be overwhelming, that’s why we’re here to help!
How much does Medicare Cost?
The cost of Medicare varies depending on the type of plan you choose and your income level. Part A is generally free, while Part B has a monthly premium that is based on your income. Medicare Advantage and Part D plans also have different costs depending on the plan and location.
What preventive services are covered by Medicare?
Medicare covers a range of preventive services, including flu shots, annual wellness visits, breast and lung cancer screenings, diabetes screenings, cardiovascular screenings, and many more. It’s important to note that coverage for preventive services vary depending on the type of Medicare plan you have.
What is the enrollment period for Medicare?
The initial enrollment period for Medicare is three months before your 65th birthday, and three months after your 65th birthday. You can also enroll during the annual open enrollment period from October 15th to December 7th.
Do I need to enroll in Medicare if I have insurance through my employer?
If you have insurance through your employer or union, you may be able to delay enrolling in Medicare without paying a penalty. It’s important to check with your employer to see how your coverage works with Medicare.
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