What is Medicare?

Medicare is a federal health insurance program for:
  • People age 65 or older;
  • People with qualifying disabilities; or
  • People with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant.)

Medicare has 4 parts:

Part
A
Hospital Insurance
  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care
  • Part of Original Medicare
Part
B
Medical Insurance
  • Services from doctors and other health care providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Many preventative services
  • Part of Original Medicare
Part
C
Medicare Advantage
  • All benefits and services under Part A and B
  • Usually includes Medicare prescription drug coverage (Part D)
  • Run by Medicare-approved private insurance companies
  • Have yearly limit on your out-of-pocket costs for medical services
  • May include extra benefits or services not covered by Original Medicare
Part
D
Prescription Drug Coverage
  • Helps cover the cost of prescription drugs
  • Run by Medicare-approved drug plans
  • May help lower your prescription drug costs

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