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Medicare is basic health insurance provided by the Federal government for people 65 and older, and people under 65 who meet certain criteria.
Whether you're just turning 65 or are 65 or older, it's important to understand what your health care options are so that you can choose the right coverage for your needs.
Medicare consists of 4 different parts that cover different types of health benefits. These are referred to as Medicare Part A, Part B, Part C, and Part D. The term "Original Medicare" refers to Medicare Parts A & B.
Part A: Hospital Visits
Part A covers hospital stays, nursing home stays, some home care, and hospice care. Most people don’t pay a monthly premium for Part A, but there is a deductible.
Part B: Medical Services
Part B covers medical services such as doctor visits and outpatient care. You pay a monthly premium for Part B, plus additional medical service costs.
Part C: Medicare Advantage Plans
Part C covers all the benefits of Original Medicare (Part A and Part B) plus additional benefits and services. The cost of a Part C or Medical Advantage plan varies depending on the plan. Many people choose to add Part C because it provides more complete coverage than just Original Medicare
Part D: Prescription Drugs
Part D covers many commonly used brand name and generic prescription drugs. Original Medicare does not include any coverage for prescription drugs. The cost of a Part D plan varies depending on the type of plan you choose. Part D can be included with a Part C (Medicare Advantage) plan or purchased separately as a stand-alone Part D plan.
It’s important to remember that enrolling in Part A and B is just the first step in the process. Original Medicare (Part A and Part B) may not provide enough coverage. You will want to consider adding a Medicare Advantage plan (Part C) and prescription drug coverage (Part D) for complete coverage. There is a penalty for not adding Part D when you are first eligible.
Am I eligible for Medicare?
If you are nearing age 65 or if you are 65 or older, you may be eligible for Medicare if you meet certain criteria.
When Can I Enroll in Medicare?
What are the different enrollment times throughout the year and when can you enroll? Remember, enrolling late could cause you to pay penalties.
After I enroll in Medicare, when does my coverage begin?
When you enroll in Medicare will impact your coverage date.
Ready to enroll in Medicare?
It's time to enroll.
Every person's situation is different, but when choosing your coverage, it's helpful to keep in mind that there are 3 main options:
- Original Medicare (Part A and Part B) and a separate prescription drug plan (Part D)
- Add a Medicare Advantage plan (Part C) that includes prescription drug coverage (Part D)
- Add a Medicare Supplement plan and separate prescription drug plan (Part D)
We offer meetings designed to help you understand the Medicare program and your coverage options, as well as meetings to assist you with you finding and enrolling in a Medicare plan that will fit your needs. Meetings are available both in-person and online.
Medicare Made Simple Guide
A handy guide to help you understand Medicare and choose the right plan.
Answer a few short questions to narrow down your plan options.