MEDICARE

Medicare is a federal health insurance program designed to help people age 65 and older, and some younger people with disabilities, with their healthcare costs. It has different parts that cover various aspects of healthcare:

1. Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care. Most people don’t pay a premium for Part A if they’ve worked and paid Medicare taxes for a certain number of years.

2. Part B (Medical Insurance): Covers outpatient services, such as doctor visits, preventive care, and some home health care. Part B has a monthly premium, which varies based on income.

3. Part C (Medicare Advantage): An alternative to Original Medicare (Parts A and B). Offered by private insurance companies, these plans often include additional benefits like vision, dental, and hearing coverage. They usually have a monthly premium, in addition to the Part B premium.

4. Part D (Prescription Drug Coverage): Helps cover the cost of prescription medications. This is also offered by private insurance companies and requires a separate monthly premium.

As a licensed Medicare broker, my role is to help you understand these options, compare different plans, and choose the one that best fits your needs and budget. My goal is to make the process as easy and straightforward as possible, ensuring you get the coverage that works best for you.