Medicare is health insurance for the following:
* People 65 or older
* People under 65 with certain disabilities
* People of any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant)
The Different Parts of Medicare
The different parts of Medicare help cover specific services:
Medicare Part A (Hospital Insurance)
* Helps cover inpatient care in hospitals
* Helps cover skilled nursing facility, hospice, and home health care
Medicare Part B (Medical Insurance)
* Helps cover doctors' services, hospital outpatient care, and home health care
* Helps cover some preventive services to help maintain your health and to keep certain illnesses from getting worse
Medicare Part C (Medicare Advantage)
* Medicare Advantage Plans (like an HMO or PPO) are health plans run by Medicare approved private insurance companies. Medicare Advantage Plans include Part A, Part B, and usually other coverage like Medicare prescription drug coverage (Part D), sometimes for an extra cost.
Medicare Part D (Medicare Prescription Drug Coverage)
* A prescription drug option run by Medicare-approved private insurance companies
* Helps cover the cost of prescription drugs
* May help lower your prescription drug costs and help protect against higher costs in the future
Medicare Benefits
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What Is Medicare?
Medicare Supplement (Medigap)
A Medicare Supplement policy (also known as "Medicare Supplement", "Med Supp", and "Medigap") is health insurance sold by private insurance companies to fill the "gaps" in Original Medicare Plan coverage.
Medicare Supplement plans help pay some of the health care costs that Original Medicare doesn't cover. If you are in the Original Medicare Plan and have a Medicare Supplement policy, then Medicare and your Medicare Supplement policy will pay both their shares of covered health care costs.
Generally, when you buy a Medicare Supplement policy you must have Medicare Part A and Part B.
You and your spouse must each buy separate Medicare Supplement policies. Your Medicare Supplement policy won't cover any health care costs for your spouse.
Medicare Supplement plans help pay some of the health care costs that Original Medicare doesn't cover. If you are in the Original Medicare Plan and have a Medicare Supplement policy, then Medicare and your Medicare Supplement policy will pay both their shares of covered health care costs.
Generally, when you buy a Medicare Supplement policy you must have Medicare Part A and Part B.
You and your spouse must each buy separate Medicare Supplement policies. Your Medicare Supplement policy won't cover any health care costs for your spouse.