What is Original Medicare?

Original Medicare is the United States’ federal health insurance program for people who are 65 or older. It is also available for certain people younger than 65 with disabilities or people with End-Stage Renal Disease. There are several parts to Medicare that contain different coverage.

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What is Part A?

Covers inpatient hospital care, skilled nursing, hospice, surgery, and home healthcare. Deductibles and cost-sharing apply. Most people do not pay a Part A premium.

What is Part B?

Covers doctor visits, preventative care, outpatient services, and lab tests. Deductible and cost-sharing apply. Together, Part A and Part B make up what's known as Original Medicare.

What is Part C?

Also known as Medicare Advantage. Bundles Part A, Part B, and usually Part D into one comprehensive plan through a private carrier — an all-in-one alternative to Original Medicare.

What is Part D?

Prescription drug coverage available as a standalone plan (PDP) or bundled within a Medicare Advantage plan. All Part D plans are offered by private insurers contracted and approved by Medicare.

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Choosing between Medicare plans can be confusing. Our experienced team will walk you through your options and help you make a confident, informed decision. Book your one-on-one consultation today.

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What are Medicare Supplements?

Medicare Supplement plans, also called Medigap, are designed to work with Original Medicare Parts A and B. Medigap policies help pay for some health care costs not covered by Original Medicare, such as deductibles, coinsurance and foreign travel emergency.

These plans are offered by private insurance companies and are available to people with Medicare Part A and B. People with Original Medicare and a Medicare supplement can choose any stand-alone Part D prescription plans to pay for their drugs. People who are enrolled in Medicare Advantage plans (Part C) are not eligible for a Medicare Supplement insurance policy.

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We understand the Medicare enrollment process can be difficult to understand. This is why we strive to educate and empower our clients to make the best decisions for their health insurance coverage.