What Is Medicare?
Medicare is the government-run insurance program for those 65 and older, or certain people with disabilities or end-stage renal disease (permanent kidney failure).
What's covered on Medicare is based on federal and state laws, national decisions made by Medicare about whether something is covered, and local decisions made by companies who process Medicare claims and decide whether something is medically necessary and should be covered in their area.
Medicare has 4 different parts, which can be mixed and matched through different plans to give you the coverage that’s right for you.
What Is Original Medicare?
Original Medicare is coverage managed by the federal government, and usually you have to pay a cost for every health care service you get.
It's made up of 2 parts, Part A and Part B. These are the parts that most people on Medicare have.
What Is Medicare Part B?
Medicare Part B is also called medical insurance, and it covers certain care from doctors, outpatient care, medical supplies, and preventive care, which includes:
- Services like flu shots
- Clinical research
- Durable medical equipment
- Mental health care
- Limited prescription drugs
What Is Medicare Advantage?
Medicare Advantage Plans, or Part C plans, are plans from private companies, like us, that take the place of your Original Medicare. You can also add prescription drug coverage to combine Part A, Part B, and Part D into one easy package.
And when you buy a Medicare Advantage plan from us, it also comes with great extras.
What Is Medicare Part D?
Medicare Part D adds prescription drug coverage. You can buy Part D from insurance companies to go with your Original Medicare coverage or your Medicare Supplement coverage, or you can choose a Medicare Advantage plan that includes Part D prescription drug coverage.
Learn more about how Medicare prescription drug coverage works.
What Is Medicare Supplement?
Medicare Supplement, also called Medigap, is coverage you buy to help pay for some of the costs Original Medicare doesn't. Supplement benefits are standardized, so they're the same from company to company, and you must have Part A and Part B.
These plans don't cover everything, so they won't cover long-term care, vision, dental, hearing aids, or glasses.