Medicare

Medicare is health insurance for people age 65 or older, under 65 with certain disabilities, and any age with End-Stage Renal Disease (ESRD). ESRD is permanent kidney failure requiring dialysis or a kidney transplant. The different parts of Medicare help cover specific services if you meet certain conditions. Medicare has four parts:

Medicare Part A (Hospital Benefits) Medicare Part B (Medical Benefits)

Helps cover inpatient care in hospitals (includes critical access hospitals, inpatient rehabilitation facilities, and long-term care hospitals).

Helps cover skilled nursing facility (not custodial or long-term care), hospice, and home health care services.

Helps cover doctor services and outpatient care, durable medical equipment, home health services, and other medical services.

Helps cover some medically necessary services and supplies.

Helps cover some preventive services to help maintain a person’s health and to keep certain illnesses from getting worse. Generally pays 80% of the Medicare-approved amount for covered services.

Medicare Part C (Medicare Advantage Plans) Medicare Part D (Prescription Drug Coverage)

A way to get Medicare benefits through private companies approved by and under contract with Medicare.

These Plans cover all of the services that Original Medicare covers, except for hospice care.

Includes Part A, Part B, and usually other benefits Medicare doesn’t cover. Most plans also provide prescription drug coverage.

Run by private companies approved by Medicare, which can either be Medicare Advantage Plans or separate Medicare Prescription Drug Plans.

Helps cover the cost of prescription drugs. Each plan can vary in cost and drugs covered.

We offer a variety of Medicare Part C Medicare Advantage Plans to better suit your needs. To learn more about our plans, click on this link: 2014 Medicare Advantage Plans.

To learn more about Medicare, click on the following link: 2014 Medicare & You Handbook