Medicare
Medicare 101
Medicare Part A
Medicare Part A helps pay for inpatient care you get in hospitals, critical access hospitals, and skilled nursing facilities. It also helps cover hospice care and some home health care.
Medicare Part B
Part B helps cover services from doctors and other health care providers, outpatient care, home health care, durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment), and many preventive services (like screenings, shots or vaccines, and yearly “Wellness” visits)
Medicare Advantage (Part C)
Medicare Advantage is a Medicare-approved plan from a private company that offers an alternative to Original Medicare for your health and drug coverage. These “bundled” plans include Part A, Part B, and usually Part D.
Medicare Supplement (Medigap Plans)
Extra insurance you can buy from a private company that helps pay your share of costs in Original Medicare. Policies are standardized, and in most states named by letters, like Plan G or Plan K. The benefits in each lettered plan are the same, no matter which insurance company sells it.
Prescription Drug Plans (Part D)
Part D helps cover the cost of prescription drugs (including many recommended shots or vaccines). You join a Medicare drug plan in addition to Original Medicare, or you get it by joining a Medicare Advantage Plan with drug coverage.
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Frequently Asked Questions
How Do I Know If I Am Eligible For Medicare?
Generally, Medicare is for people 65 or older. You may be able to get Medicare earlier if you have a disability, End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant), or ALS (also called Lou Gehrig’s disease).
What Is The Difference Between Supplement & Advantage?
Medicare Advantage bundles Original Medicare Parts A and B into one plan and usually includes Medicare Part D prescription drug coverage. Some Medicare Advantage plans may also offer extra benefits, such as routine dental, vision and hearing services.
A Medicare Supplement plan, also called Medigap, isn’t bundled with anything—it’s extra coverage you can buy to help pay the out-of-pocket expenses Original Medicare doesn’t pay.
How Can I Get Help With My Drug Payments?
Anyone who has Medicare can get Medicare prescription drug coverage. Some people with limited resources and income may also be able to get Extra Help with the costs — monthly premiums, annual deductibles, and prescription co-payments — related to a Medicare prescription drug plan.
Applying for Extra Help is easy. Just complete our Application for Extra Help with Medicare Prescription Drug Plan Costs (Form SSA-1020).
Apply online at www.ssa.gov/medicare/part-d-extrahelp, call Social Security at 1-800-772-1213 (TTY 1-800-325-0778) to apply over the phone or to request an application, apply at your local Social Security office.
What Is AEP And OEP?
The Annual Election Period (AEP) and Medicare Advantage Open Enrollment Period (MA OEP) allow Medicare beneficiaries to make changes to the way they receive their Medicare coverage.
What If I Have Medicaid?
People who have both Medicare and full Medicaid coverage are “dually eligible.” Medicare pays first when you’re a dual eligible and you get Medicare-covered services. Medicaid pays last, after Medicare and any other health insurance you have. If you're dually eligible, Medicare covers your prescription drugs. You’ll automatically be enrolled in a Medicare drug plan that will cover your drug costs instead of Medicaid. Medicaid may still cover some drugs that Medicare doesn’t cover. You can still pick how you want to get your Medicare coverage: Original Medicare or Medicare Advantage (Part C).
How Can I Get A Replacement Medicare Card?
Log into (or create) your secure Medicare account to print or order an official copy of your Medicare card. You can also call 1-800-MEDICARE (1-800-633-4227) to order a replacement card to be sent in the mail. TTY users can call 1-877-486-2048.
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We do not offer every plan available in your area. Currently we represent 8 organizations which offer 76 plans in your area.
Please contact , 1-800 MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options."
Mark Manganello is not connected to the Federal Medicare Program. This is a solicitation for insurance.