ABOUT MEDICARE | FAQS | Stay Informed on Medicare Changes
Our History
Medicare policies and coverage options evolve every year. Stay up to date with the latest information to ensure you’re making the best decisions for your healthcare.
- Adjustments in Medicare Part B premiums
- Expanded coverage options for preventive care
- New Medicare Advantage plan benefits
- Updated prescription drug (Part D) policies
Original Medicare (Part A & B)
This is the basic Medicare plan provided by the government. It includes hospital and medical insurance, but doesn’t cover everything.
- Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home healthcare services.
- Part B (Medical Insurance): Covers doctor visits, outpatient care, medical supplies, and preventive services.
- Coverage Limitations: Doesn’t include vision, dental, hearing, or long-term care.
Medicare Advantage (Part C)
This is a private insurance plan that replaces Original Medicare and usually adds extra benefits.
- Often includes vision, dental, and hearing coverage
- May include prescription drug coverage
- Offers wellness programs and gym memberships
- Can include transportation to medical appointments
- May have lower out-of-pocket costs, but you usually need to use in-network doctors
Medicare Part D (Prescription Drug Coverage)
This plan helps pay for medications and is purchased separately from Original Medicare.
- Covers the cost of prescription drugs
- Each plan has its own list of covered medications (formulary)
- It's important to sign up early to avoid late enrollment penalties
- Drugs are grouped into tiers with different prices for generic vs. brand-name
Medigap (Medicare Supplement Plans)
These are add-on plans that help pay for costs not covered by Original Medicare.
- Helps with copayments, deductibles, and coinsurance
- Works with Original Medicare, not on its own
- Plans are standardized (like Plan G, Plan N), but benefits vary by type