Medicare & Retirement planning
What is Medicare?
Medicare is the federal health insurance program for:
- People who are 65 or older
- Certain younger people with disabilities
- People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)
What are the different types of medicare?
What’s not covered by Part A & Part B: Learn about what items and services aren't covered by Medicare Part A or Part B. You'll have to pay for the items and services yourself unless you have other insurance. If you have a Medicare health plan, your plan may cover them
Medicare Part A
Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
Medicare Part B
Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services.
Medicare Part D
(Prescription Drug Coverage)
Helps cover the cost of prescription drugs (including many recommended shots or vaccines).
Medicare Advantage is an “all in one” alternative to Original Medicare. These “bundled” plans include Part A, Part B, and usually Part D. Most plans offer extra benefits that Original Medicare doesn’t cover — like vision, hearing, dental, and more. Medicare Advantage Plans have yearly contracts with Medicare and must follow Medicare’s coverage rules. The plan must notify you about any changes before the start of the next enrollment year.
Medigap is Medicare Supplement Insurance that helps fill "gaps" in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like:
Medicare Part D RX Coverage
Medicare Part D, also called the Medicare Prescription Drug benefit, is an optional U.S. Federal Government program to help Medicare-eligible beneficiaries pay for self- administered prescription drugs by enrolling into prescription drug (Part D) plans
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