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Medicare Insurance

MEDICARE PART A

MEDICARE PART A

  • This government program helps with the cost of hospitalization, skilled nursing up to 100 days, and hospice care to eligible individuals.
  • This program has deductibles and co-payments.
  • Part A and Part B make up Original Medicare. No drug coverage is provided.
MEDICARE PART B

MEDICARE PART B

  • This program helps with the cost of doctor visits, outpatient services such as lab work or radiology, to eligible individuals.
  • This program has deductibles and co-payments.
  • Part A and Part B make up Original Medicare.
  • No prescription drug coverage is provided.
MEDICARE PART C

MEDICARE PART C

  • Medicare Advantage plans are sometimes referred to as Part C. These plans are offered by private insurance companies.
  • Combining the benefits of Part A and Part B some of these plans also offer Part D Prescription drug plans embedded in the plan.
  • Plans vary from county to county and may change from year to year.
  • Plan benefits, premiums, co-payments and co-insurance may also vary greatly.
  • These plans normally have networks and will require a referral to a specialist.
MEDICARE PART D

MEDICARE PART D

  • Part D Prescription drug plans are offered by private insurance companies.
  • They provide help with the cost of prescription drugs.
  • While it is not mandatory to enroll in these plans, if you do not enroll upon eligibility you may incur a permanent penalty later.
  • Plans include formularies which is a list of covered drugs and are organized by tiers.
  • Plan benefits, premiums, co-payments and co-insurance may also vary greatly.
MEDICARE SUPPLEMENT INSURANCE PLANS

MEDICARE SUPPLEMENT INSURANCE PLANS

  • Private insurance companies offer these plans to help cover some of the cost associated with Part A and Part B services.
  • These plans are sometimes referred to as Medi-gap plans. There are numerous plans to choose from in most states.
  • These plans do not offer prescription drug coverage.
  • Plan benefits, premiums, co-payments and co-insurance may also vary depending on your location, age and level of coverage you choose.
  • Plans have no network so you may go to any doctor who contracts with Medicare and will accept you as a patient.

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