Medicare made easy

Find Medicare and Medicare Supplement insurance plans in your area

We are here to tell you all about medicare and how it works

What is Medicare

Medicare is the Federal health insurance program for:

  •  Individuals who are aged 65 or older
  • Younger individuals under 65 with disabilities
  • People of any age with End-Stage Renal Disease (ESRD)

What are the parts of Medicare?

Medicare began as a fee-for-service program (now referred to as “Original Medicare”) that has four parts:

Part A (Hospital Insurance)
Helps cover:
• Inpatient care in hospitals
• Skilled nursing facility care
• Hospice care
• Home health care

Part B (Medical Insurance)
Helps cover:
• Services from doctors and other health care providers
• Outpatient care
• Home health care
• Lab work, ambulance services
• Cancer therapy and Kidney dialysis
• Many preventive services (like screenings, shots, or vaccines, and yearly “Wellness” visits)
• Durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment)

Part C (Medicare Advantage)

Run by private insurance companies that follow rules set by Medicare and once you enroll in Part C plan, your
health coverage will come from Medicare advantage plan not from the government.

Part D (Prescription Drug Coverage)
• Run by private insurance companies that follow rules set by Medicare
• Helps cover the cost of prescription drugs (including many recommended shots or vaccines)
• May help lower your drug costs and help protect against higher costs in the future

Medicare History

- In 1965, President Lyndon B. Johnson signed into law the Medicare bill that included Part A (Hospital Insurance)
and Part B (Medical Insurance). These 2 parts are called “Original Medicare” today.

- In 1972, Medicare was expanded to cover individual who are 65 or older, disabled and people with end-stage renal
disease (ESRD).

What services Medicare won’t cover?

Medicare Part A and Part B doesn’t cover some of the services include:

  • Long-term care
  • Routine dental care and dentures
  • Routine eye exams
  • Cosmetic surgery and/or plastic surgery
  • Acupuncture and massage therapy
  • Hearing aids
  • Routine foot care
  • Medical care outside the United States