What is Medicare?
Medicare is health insurance provided by the federal government for people ages 65 and older and those with certain disabilities or End-Stage Renal Disease. Anyone that receives Social Security is automatically enrolled in Medicare benefits.

You’ll receive a ‘Welcome to Medicare Packet,’ three months before you turn 65-years old. This is the start of enrolling in Medicare Part A and Part B. The process is complex and involves many decisions, but Senior Insurance Representatives is here to help.

Medicare has four parts – Medicare Part A, Part B, Part C, and Part D. 

Medicare Part A

Medicare Part A is your hospital insurance and is automatic. Most people pay nothing for this insurance. It covers things like inpatient care, nursing care, hospice, and sometimes in-home healthcare.

Medicare Part B

Medicare Part B covers your medically necessary services, including doctor visits, mental health services, and outpatient care. Medical equipment, some home health care, and preventative/diagnostic services also fall under Medicare Part B.

Medicare Part C

Medicare Part C or Medicare Advantage is an insurance plan through private insurance companies. All Medicare Part C policies include your Medicare Part A and Part B coverage. Medicare Advantage Plans work like an HMO or PPO and may offer additional coverage, such as vision, dental, or hearing benefits. Some plans also include prescription coverage.

Medicare Part D

Medicare Part D is prescription coverage and is optional. You may buy a separate Part D policy in addition to your Medicare Part A and Part B coverage, or you can opt for Medicare Part C, which includes all the coverages but at different premiums and coverage amounts.

Get Free Medicare Help

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Do you Need Medicare Supplements?
It sounds like Medicare covers most of your bills between the four coverage options, but that’s not always the case. Medicare Supplements or Medigap fill the ‘gaps’ in coverage, decreasing your out-of-pocket maximum. These private insurance policies help cover the difference between what Medicare pays and your out-of-pocket expenses, but you may only qualify for a Medicare Supplement if you have Medicare Part A and Part B.

Senior Insurance Representatives
is Here to Help

At Senior Insurance Representatives, we are here to help you understand Medicare and all of its coverage options.
Call us anytime at 1-800-327-7888.