Medicare – Part A, B, C, D

Medicare is the Federal Health Care Insurance Program that begins at the age 65.  You should sign up three months before your 65th birthday for Medicare Insurance Part A and B.  Younger people may qualify for Medicare with certain disabilities or diseases.

What does each part cover?

Medicare Part A covers your hospital expenses. Coverage includes  hospital stays, skilled nursing care, hospice, and home health-care services. Deductibles, coinsurance, and co-payments may apply.

Medicare Part B is your health insurance coverage. It covers services such as doctor’s office visits, lab work, x-rays,  outpatient surgeries, and preventive services such as flu shots. Part B also covers medical equipment such as wheelchairs and walkers if proven to be medically necessary.

Parts A and B together are called Original Medicare. These two parts are run by the federal government.

Medicare Part C is available through private insurance companies.  It helps pay for hospital and medical costs and  uncovered expenses that are incurred through the Part A and Part B.  There is a limit on the amount you pay out of pocket.

Medicare Part D is only available through private health insurance companies and is a prescription drug plan.  It covers brand name as well as generic drugs.

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