Medicare Basics

Medicare is the federal health insurance program for people aged 65 and up. Understanding the different parts of Medicare is the first step in choosing the right coverage for your health needs.

• Part A (Hospital Insurance)

  Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. Most women over 65 qualify for premium-free Part A, but it’s important to understand what’s covered to avoid unexpected costs.

• Part B (Medical Insurance)

  Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services. This is a critical part of your healthcare, especially for ongoing health maintenance and managing chronic conditions.

• Part C (Medicare Advantage)

  Medicare Advantage plans offer an alternative to Original Medicare, often including extra benefits like vision, dental, and wellness programs. As your healthcare partner, we can help you evaluate if a Medicare Advantage plan is right for you.

• Part D (Prescription Drug Coverage)

  Part D provides coverage for prescription medications, which is especially important as we age. We’ll help you compare plans to ensure your prescriptions are covered at the lowest possible cost.

• Medigap (Supplemental Insurance)

  Medigap policies help pay some of the healthcare costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles. These plans can offer peace of mind by covering the gaps in your Medicare coverage.