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Learn More About Medicare

There are three main parts to Medicare: Part A, Part B, and Part D. Part A and B work together, covering costs associated with hospital and doctor visits. Part D is coverage for prescription drugs. Here are answers to some frequently asked questions about Medicare coverage. Under each section, click “Learn More” to read more detailed information about each topic.

Medicare Part A and B, Medicare Part D

Medicare Part A covers a wide range of hospitalization and inpatient services. Most people get Part A automatically when they turn 65, or if they are disabled for 24 months. There is generally no cost for Part A.

Medicare Part B helps pay for doctor’s services, outpatient services, and other medically necessary services that are not covered under Part A. You must pay a monthly premium to Medicare for Part B.

Medicare Part D was added in 2006 and provides prescription drug coverage to Medicare recipients. Unlike Part A and B, you do not have coverage until you enroll with a private company. The cost associated with Part D, can be a monthly premium, deductible, and co-pays.
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What are my options for covering costs not covered by Medicare?

There are two options available to you: Medicaid and Low Income Subsidy.

Medicaid is a joint federal and state program. To qualify your income and net worth has to fall below a certain level. Medicaid can differ from state to state. A person can quality for both Medicaid and Medicare this is called dual eligible. There are some Medicare advantage plans specifically designed for such a person.

For more information about Medicaid go to: http://www.cms.gov/MedicaidGenInfo/

Low Income Subsidy is a federal program to help pay your monthly premium, eliminate any deductable, lower co-pays associated with you prescription drug coverage and provide coverage though the coverage gap.

For more information about Low Income Subsidy go to: http://www.cms.gov/LowIncSubMedicarePresCov/01_Overview.asp#TopOfPage

What is a Medicare Supplement policy?

A Medicare Supplement policy fills the gaps in original Medicare coverage. These policies are offered through private insurance companies.
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What is Medicare Advantage?

Medicare Advantage is another health plan option you can add to your Medicare health plan choice. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered through private companies approved by Medicare.

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What about prescription drug plans?

Prescription drugs are covered under Medicare Part D. In the Medicare system, you have no prescription drug coverage unless you sign up for one through a private company. Most Medicare Advantage plans include the prescription drug coverage. This is called an integrated plan.
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What is the history of Medicare?

Medicare has roots in the Social Security Act signed by President Franklin Delano Roosevelt in 1935. Since then, many things have changed and evolved for Medicare, especially in the last few years.

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