Understanding Medicare

Medicare can feel complicated at first, but understanding the basics can make choosing your coverage much easier.

Medicare is a federal health insurance program primarily for people age 65 and older. It may also be available to certain individuals under age 65 who have qualifying disabilities or specific medical conditions.

Medicare Has Different Parts

Medicare is made up of several parts, each covering different healthcare needs.

Original Medicare is the traditional federal Medicare program and includes:

· Part A: Helps cover hospital stays and certain inpatient care

· Part B: Helps cover doctor visits, outpatient care and many preventive services

From there, you may have additional coverage options:

· Part C (Medicare Advantage): An alternative to Original Medicare offered by private insurance companies. These plans combine Part A and Part B coverage and may include prescription drug coverage and other benefits.

· Part D: Helps cover prescription medications.

Some people who choose Original Medicare also purchase a Medicare Supplement (Medigap) policy to help cover certain out-of-pocket costs that Parts A and B do not pay.

Finding Coverage That Fits You

There are a lot of choices to consider, and the right option can depend on your healthcare needs, prescriptions, budget and preferred doctors.

We can help explain your options in straightforward terms and guide you toward coverage that fits your needs.