Medicare

What is Medicare?

Medicare is the federal health insurance program for:

• People who are 65 or older

• Certain younger people with disabilities

• People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)

How to Get Started?

Medicare Advantage, Medicare Supplement (MediGap), and Medicare Prescription Drug (PDP) Insurance

Medicare beneficiaries are protected from unwanted sales and marketing. You will typically receive information by mail only. Agents cannot discuss Medicare Advantage Plans by phone or email without your written permission, given two days in advance.

To talk about Medicare Advantage Prescription Drug Plans or Medicare Prescription Drug Plans, we need you to complete and sign the Scope of Appointment Form. Once you return the form, we can share more information with you.

What are the parts of Medicare?

The different parts of Medicare help cover specific services:

Medicare Part A (Hospital Insurance): Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

Medicare Part B (Medical Insurance): Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services.

Medicare Part D (prescription drug coverage): Helps cover the cost of prescription drugs (including many recommended shots or vaccines).

Medicare Advantage

Medicare Advantage is an “all-in-one” alternative to Original Medicare. These “bundled” plans include Part A, Part B, and usually Part D. Most plans offer extra benefits that Original Medicare doesn’t cover—like vision, hearing, dental, and more. Medicare Advantage Plans have yearly contracts with Medicare and must follow Medicare’s coverage rules. The plan must notify you about any changes before the start of the next enrollment year.

Each Medicare Advantage Plan can charge different out-of-pocket costs. They can also have different rules for how you get services.

Medicare FAQ

Medicare can feel complex. Here are some answers to frequently asked questions about Medicare that can help you understand the basics of Medicare and manage your plan and benefits better.

Medicare Resources

Medicare.gov

Centers for Medicare & Medicaid Services

Social Security

Medicare Resources