Medicare is
health insurance offered by the federal government to most people who are 65 and older and to some younger people with disabilities.
Medicare offers four types of insurance, Part A, B, C and D, as follows:
MEDICARE PART A. Everyone who signs up for Medicare automatically receives Medicare Part A insurance. Part A is hospital insurance and it covers your hospital bills.
How is Medicare Part A paid for? Actually, you or your spouse have been paying for Part A all along through Medicare taxes. Therefore, most people who apply for Medicare will not pay a monthly premium.
Your Medicare Part A will hospital services your receive as an inpatient such as, an overnight stay for the hospital room, your meals, and the nursing services you receive. In addition, Medicare Part A will cover hospice and home health care services.
Download the free brochure Medicare and You.
MEDICARE PART B. Medicare Part B is medical insurance designed to help pay for your doctor bills. Part B is optional and you can choose whether enrollment is right for you based upon other factors. You will pay a monthly premium for Part B.
Medicare Part B will covers inpatient and outpatient care you receive at your doctor’s office, a hospital or other health care facility. In addition, Medicare Part B covers required laboratory tests, physical therapy, rehabilitation services and ambulance services.
MEDICARE PART C. Medicare Part C is called Medicare Advantage and it adds more specific types of coverage to your overall Medicare Insurance. It includes private care plans that include medical savings accounts, managed care plans and even private fee-based plans.
Download the free brochure Medicare and You.
MEDICARE PART D. Medicare Part D (“D” stands for “Drugs”) is insurance that has to do with prescription drug coverage. Everyone who is Medicare elibible may obtain Medicare Part D coverage. Like Part B and Part C, Medicare Part D is optional for all participants. There is a monthly premium for Medicare Part D.
If you need assistance with Medicare coverages or, have general questions about costs associated with Parts B, C and D, please contact Weber’s Insurance, if you prefer, you may call us at 928-445-8720. Visit our post entitled, Supplementing Medicare for more information.
Download the free brochure Medicare and You.
Medicare is changing so, I hope you will post more information about the changes as they come. Thank you.
Sandy – We shall continue to keep everyone informed. Check the website periodically for updates. Or, if you have a specific question, please call Weber’s Insurance at 928-445-8720.