Medicare is a federal health insurance program for people in the U.S. who are 65 and older as well as some younger people who meet specific eligibility criteria, and individuals with certain diseases. There are four different parts to the Medicare program. Parts A and B are often referred to as Original Medicare. Medicare Part C, or Medicare Advantage, is private health insurance, while Medicare Part D offers coverage for prescription drugs. In addition to your Original Medicare, you can opt for a Medicare Supplement plan to fill in the gaps. Medicare can be one of our most confusing products—but don’t worry, we will review all of your options with you and see what best suits your particular needs.
Who is Eligible?
U.S. citizens and qualified legal residents* that are 65 and older or younger than 65 with a qualifying disability.
Enrolling in Medicare
When you first enroll in Medicare and during certain periods of the year, you can choose how you get your Medicare coverage.
Factors to Consider
Before signing up for any Medicare plan, consider your Information/factors, as no single plan is the right plan for all people.
Medicare Insurance FAQs
When am I eligible to receive Medicare Benefits?
Most people become eligible for Medicare when they turn 65 years old. The enrollment period for a beneficiary begins 3 months before their 65th birthday and continues for an additional 3 months after, giving an individual 7 months to sign up. If they sign up for Part A and/or Part B within the first 3 months of a person's Initial Enrollment Period (IEP), then their coverage usually starts the first day of their birthday month.
What are the different parts of Medicare?
There are four basic parts of Medicare:
Part A – Referred to as hospital insurance, Part A covers inpatient and hospital care, skilled nursing facility, hospice, lab tests, surgery, and home health care.
Part B – Referred to as medical insurance, Part B covers clinical research, ambulance service, outpatient, doctor services, and other non-hospital care.
Part C – An alternative to Original Medicare offered by private companies is "Medicare Advantage" plans. These plans bundle everything Original Medicare (Part A + Part B) covers, usually with additional benefits that may include vision, hearing, dental, prescription drug coverage, fitness programs, etc.
Part D – A prescription drug plan offered through a private insurer covering prescription drugs for additional monthly premiums.
How can I find out if my doctor accepts Medicare?
Though most doctors accept Medicare, you can find out who in your area is taking Medicare and its required pricing for procedures by going to Medicare's Physician Compare tool (www.medicare.gov/physiciancompare) and look to see if your doctor "Accepts Medicare Assignment." You may also call 1-800-MEDICARE (1-800-633-4227, TTY users call 1-877-486-2048), or give your doctor a call before scheduling an appointment.
Or simply come to us for help! We will make sure that the Medicare options you choose include your physician and specialists.
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