Medicare Basics

What is Medicare?

Medicare in simple terms is insurance for consumers provided by our government when you reach 65 Years old or you're disabled for more than 2 years. Most people don't pay for Part A coverage. When you get Medicare, you will have many choices for affordable coverage. If your health isn't the greatest, then this may be the most crucial time to get the coverage you need. With Original Medicare insurance, you will see lots of letters like A,B,C & D, and they will sometimes be confusing. We are here to help you understand those letters.

What Does Part A Cover?

Part A benefits is the portion on your Original Medicare plan that covers your hospital stay and skilled nursing facility. The deductible for part A in 2019 $1,364 for each benefit period. There are additional Copays per day beyond a hospitalization more than 61 days. For exact coverage details refer to your Medicare & You book.

What is Part B?

Part B covers services or supplies that are needed to diagnose or treat your medical conditions. Preventive is also included in Part B coverage. Other benefits that are included in Part B are ambulance trips, Clinical Research, Durable Medical Equipment (DME), Mental Health Services and limited outpatient drugs. For exact coverage refer to your Medicare & You book, or call us to go over your coverages.