Learn About Your Choices
While original Medicare offers coverage for a wide variety of services, you may find that a different plan through a private insurance carrier better fits your needs. If you are interested in alternative plans, we can help you find coverage through either a Medicare supplement or Medicare Advantage plan. Both of these plans offer additional support through third-party insurers, and they are required to provide equal or better benefit coverage when compared to original Medicare.
Medicare insurance is a Federal health insurance program for those that are:
- 65 years of age or older
- Younger individuals with certain disabilities
- Individuals with ESRD (End-Stage Renal Disease).
Medicare originated in the 1960s as a fee-for-service insurance program intended primarily for seniors.
The program includes several distinct parts, each of which is described below.
- Medicare Part A covers facility-based care such as hospital visits, emergency room services, hospice, and nursing home care.
- Medicare Part B covers traditional outpatient treatments and services, including vaccinations, lab tests, mental health services, outpatient operations, durable medical equipment, and most other medical services not performed in a hospital.
- Medicare Part C (Medicare Advantage) covers elements of Parts A, B ,and sometimes D.
- Medicare Part D covers prescription drugs.
- Medicare supplement is provided by private insurance companies and is designed to fill in the“gaps” left in the Original Medicare coverage.
*Disclaimer: This page has not been reviewed or endorsed by Medicare.gov or any member of the Centers for Medicare & Medicaid Services (CMS)