Medicare for Beginners

Medicare is health insurance for people age 65 and older, people 64 and younger with certain disabilities, and people of any age with End-Stage Renal Disease (ESRD). Medicare pays for preventive and diagnostic healthcare. Preventive healthcare can detect health problems earlier. When problems are detected early, they’re easier to treat.

The Different Parts of Medicare

Medicare Part A (Hospital Insurance):

  • Inpatient Care in Hospitals
  • Skilled Nursing Facility Care
  • Hospice Care
  • Home Healthcare

Medicare Part B (Medical Insurance):

  • Services from Doctors and other Healthcare Providers
  • Outpatient Care
  • Home Healthcare
  • Durable Medical Equipment
  • Some Preventive Services

Medicare Part C (Medicare Advantage):

  • Includes all Benefits and Services Covered Under Part A and Part B
  • Run by Medicare-Approved Private Insurance Companies
  • Usually Includes Medicare Prescription Drug Coverage (Part D) as Part of the Plan
  • May Include Extra Benefits and Services for an Extra Cost

Medicare Part D (Medicare Prescription Drug Coverage):

  • Helps Cover the Cost of Prescription Drugs
  • Run by Medicare-Approved Private Insurance Companies
  • May Help Lower your Prescription Drug Costs and Help Protect Against Higher Costs in the Future

Two Different Options for Medicare:

  • Original Medicare
  • Medicare Advantage Plan
You will have at least one chance every year to make any necessary changes to your coverage.

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