Your Local Medicare Insurance Agent

Medicare is health insurance for people 65 or older, people under 65 with certain disabilities, and people of any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant).

Medicare has 4 parts. Part A (Hospital Insurance), Part B (Medical Insurance), Part D (Drug coverage), and Medicare Advantage (also known as Part C).

Helps cover:

• Inpatient care in hospitals
• Skilled nursing facility care
• Hospice care
• Home health care

Helps cover:

• Services from doctors and other health care providers
• Outpatient care
• Home health care
• Durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment)
• Many preventive services (like screenings, shots or vaccines, and yearly “Wellness” visits)

Helps cover the cost of prescription drugs. Plans that offer Medicare drug coverage are run by private insurance companies that follow rules set by Medicare.

• Original Medicare includes Medicare Part A (Hospital Insurance) and Part B (Medical Insurance).

• You can join a separate Medicare drug plan to get Medicare drug coverage (Part D).

Medicare Advantage is a Medicare-approved plan from a private company that offers an alternative to Original Medicare for your health and drug coverage. These “bundled” plans include Part A, Part B, and usually Part D.