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Medicare is a federal health insurance program for people 65 and older, or those with disabilities. You can enroll in Medicare during a seven-month window around your 65th birthday. The window starts three months before you turn 65 and ends three months after. Medicare has different parts that cover different types of health care services. You should learn about the different parts of Medicare to choose the best option for your situation.
Original Medicare Original Medicare includes Part A and Part B coverage. Part A covers inpatient care in hospitals, skilled nursing facilities, home health, and hospice. Part B covers doctor visits, ambulance rides, home health, preventive care, medical equipment, and some tests and drugs.
Medicare Supplements Medicare Supplements, or Medigap, help pay for some of the costs that Original Medicare does not cover, such as deductibles, copays, and coinsurance. There are different types of Medigap plans, from Plan A to Plan N. Each plan has different benefits, so you should compare them carefully and pick the one that suits your needs.
Medicare Part C Medicare Part C, or Medicare Advantage, is a way to get all the benefits of Original Medicare Parts A and B in one plan. Plus, most plans also include prescription drug coverage (Part D) and extra benefits like dental, vision, hearing, and more.
You need to have Original Medicare to join a Medicare Advantage plan. But be careful: if you drop your Part B coverage, you will lose your Medicare Advantage plan too.
Medicare Part D
Medicare Part D Medicare Part D is a plan that covers prescription drugs. You can buy it as a separate plan or as part of a Medicare Advantage plan (MAPD). Part D plans can help you save money on your medications. They have a list of drugs that they cover, called a formulary. The drugs are grouped into tiers, and the lower the tier, the lower the cost.
Part D plans have to cover at least two drugs from each category. But they have to cover all drugs in these special categories:
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Ready to Enroll in Medicare? We’ll Show You How
We Care Insurance Services We are experts in Medicare and we know how confusing it can be for new enrollees. That’s why we’re here to help. We are based in Englewood, FL, and we can guide you through the Medicare enrollment process and help you find the right coverage for you.