Medicare

Who Is Medicare For?

  • People age 65 or older.

  • People under age 65 with certain disabilities.

  • People of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant).


5 Important Facts:

  1. Some people get Medicare automatically, and some have to sign up. You may have to sign up if you’re 65 (or almost 65) and not getting Social Security.

  2. There are certain times of the year when you can sign up or change how you get your coverage.

  3. If you sign up for Medicare Part B when you’re first eligible, you can avoid a penalty.

  4. You can choose how you get your Medicare coverage.

  5. You may be able to get help with your Medicare costs.

Medicare Explained

Medicare has different parts that help cover specific services. Getting Medicare is a major milestone. Here’s where you can get the information you need, no matter where you are in your Medicare journey.

  • Medicare Part A (Hospital Insurance) - Part A helps cover inpatient care in hospitals, including critical access hospitals, and skilled nursing facilities (not custodial or long-term care). It also helps cover hospice care and some home health care. Beneficiaries must meet certain conditions to get these benefits. Most people don't pay a premium for Part A because they or a spouse already paid for it through their payroll taxes while working.

  • Medicare Part B (Medical Insurance) - Part B helps cover doctors' services and outpatient care. It also covers some other medical services that Part A doesn't cover, such as some of the services of physical and occupational therapists, and some home health care. Part B helps pay for these covered services and supplies when they are medically necessary. Most people pay a monthly premium for Part B.

  • Medicare Part C (A Medicare Advantage Plan) - Medicare Part C (like an HMO or PPO) is another Medicare health plan choice you may have as part of Medicare. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare.


If you join a Medicare Advantage Plan, the plan will provide all of your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage. Medicare Advantage Plans may offer extra coverage, such as vision, hearing, dental, and/or health and wellness programs. Most include Medicare prescription drug coverage (Part D).

Medicare pays a fixed amount for your care every month to the companies offering Medicare Advantage Plans. These companies must follow rules set by Medicare. However, each Medicare Advantage Plan can charge different out-of-pocket costs and have different rules for how you get services (like whether you need a referral to see a specialist or if you have to go to only doctors, facilities, or suppliers that belong to the plan for non-emergency or non-urgent care). These rules can change each year.

  • Medicare Part D (Prescription Drug Coverage) - Medicare prescription drug coverage is available to everyone with Medicare. To get Medicare prescription drug coverage, people must join a plan approved by Medicare that offers Medicare drug coverage. Most people pay a monthly premium for Part D.

We Can Help You With Medicare!

We can help you apply and navigate all of your questions when it comes to Medicare. Contact us to get started today!