Medicare and You

Medicare is a federal health insurance program primarily for people aged 65 or older, but it also covers younger individuals with certain disabilities.

Original Medicare is a fee-for-service health plan made up of two parts: Part A (Hospital Insurance) and Part B (Medical Insurance). There are no network restrictions, so you can visit any doctor nationwide who accepts Original Medicare. Parts A and B are your primary coverage, while a Medicare Supplement plan acts as secondary coverage, significantly reducing your out-of-pocket costs. You can also add a stand-alone prescription drug plan for medication coverage.

Medicare Advantage plans, also called Medicare Part C, are all-in-one alternatives to Original Medicare, offered by Medicare-approved private insurance companies. These plans include all the benefits of Part A (hospital coverage) and Part B (medical coverage), and most also come with Part D prescription drug coverage. Many Medicare Advantage plans offer extra benefits not included in Original Medicare, such as vision, dental, and hearing services.

Part A (Hospital)

Part B (Medical)

Part C (Medicare Advantage)

Part D (Prescription Drug Coverage)