MEDICARE

Your Health, Your Future “Medicare Made Simple”.

What is Medicare?

Medicare is the federal health insurance program, primarily providing coverage for people who are 65 or older. It is designed to help cover the costs of healthcare services, but it is broken down into specific "parts" that cover different needs.

The 4 Parts of Medicare

Part A
Hospital Insurance

Covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

Part B
Medical Insurance

Covers certain doctors' services, outpatient care, medical supplies, and preventive services.

Part C
Medicare Advantage

An "all-in-one" alternative to Original Medicare. These "bundled" plans include Part A, Part B, and usually Part D.

Part D
Prescription Drug Coverage

Helps cover the cost of prescription medications (including many recommended shots or vaccines).

Frequently Asked Questions

In the U.S. healthcare landscape, Medicare is not just a benefit—it is an essential safeguard.
- The Cost of Aging: Healthcare needs naturally increase as we age, and without insurance, the cost of treating chronic conditions or unexpected emergencies can drain a lifetime of savings in months.
- Private Insurance Changes: For many, turning 65 means losing employer-sponsored coverage. Private individual health plans for seniors can be prohibitively expensive or unavailable. Medicare fills this gap, ensuring that retiring doesn't mean losing access to quality care.
- Protection Against Bankruptcy: Before Medicare was signed into law, roughly half of all seniors lacked hospital insurance. Today, it serves as a critical financial safety net, protecting millions of Americans from medical bankruptcy and ensuring equitable access to doctors and hospitals.
While most people enroll when they turn 65, you may qualify earlier if you meet specific criteria:
- Seniors: Adults aged 65 and older.
- Disabilities: Individuals under 65 with certain disabilities.
- Specific Conditions: People of any age with End-Stage Renal Disease (ESRD) or ALS (Lou Gehrig’s disease).
- Financial Security: Protects you from high, unexpected medical costs.
- Preventive Care: Covers wellness visits and screenings to catch health issues early.
- Flexibility: With options like Medicare Advantage (Part C), you can often get extra benefits like dental, vision, and hearing that Original Medicare doesn't cover.