Medicare Simplified

I believe that the better educated you are about Medicare, the easier it will be for you to make the right decisions about your Medicare health insurance choices. That's why I've created this resource section.

Part A

Medicare covers inpatient hospitalization; Skilled Nursing Facility; Home Health Care; Hospice.

Part B

Covers Primary Care and Specialist visits, lab work, X-rays, ambulance and emergency room.

Part C

Also known as Medicare Advantage takes over for Original Medicare. These plans typically require you to see “network” doctors and other providers.

Part D

Medicare prescription drug coverage provides protection for people with ongoing drug costs and protection from unexpected spikes in future drug bills.

How does Medicare Work?

There are two parts to Original Medicare.

Part A: Covers inpatient hospitalization.

Part B: Covers most other services, except for out-patient prescription drugs which are covered under “Part D”.

Original Medicare only covers 80% of most services. Both Part A and B have various deductibles, copays, and coinsurances that you need to pay as your share. These are the gaps in the Medicare program that most people fill in by purchasing private insurance such as a Medicare Supplement Plan (aka Medigap Plan) or a Medicare Advantage Plan. That’s why it’s important to that we work with together to find the right additional insurance that fits you.

If there's anything you need or if you have any questions, please feel free to contact me. I'm are here to help.