The Basics of Medicare

What is Medicare?

Medicare is a federal health insurance program for people who are 65 and older, or who qualify through certain disability situations. We can break it down a bit further to give you an idea of what it looks like in more detail.

Did You Know: Medicare Has Multiple Parts?

Original Medicare consisted of Part A and Part B; Medicare Parts C and D were added later on.

Here’s the difference:

Medicare Part A

Part A is hospital insurance, and for most people, there is no premium. It helps cover:

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home healthcare

(Note: It does not cover long-term care)

Medicare Part B

Part B is medical insurance, and for most people, there is a monthly premium of $185. It helps cover:

  • Services from doctors and healthcare providers
  • Home healthcare
  • Durable medical equipment
  • Preventative services such as vaccinations

(Note: It does cover long-term care)

Medicare Part C

Medicare Part C is also known as Medicare Advantage (MA). This is where you would receive your health insurance through a private health insurance company.

You can learn more about this type of Medicare here.

Medicare Part D

Medicare Part D is prescription drug coverage through a private health insurance company. In many cases, Part C and D are combined to form what is called a MAPD plan, Medicare Advantage Prescription Drug Plan.

My Clients Needs Come First!

"Steve has been very instrumental in helping me navigate the available Medicare options. So, I was able to choose the Medicare Advantage Plan that was best for me. He has always maintained a professional demeanor. He is very pleasant and personable to interact with. He has taken an interest in me as a person, and is always available to answer any questions I may have. I look forward to many years of having Steve be my Medicare Health Insurance representative."
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**This is a personal website of Steve Walter and is not associated with or endorsed by any government agency. We do not offer every plan available in your area. Currently we represent 8 organizations which offer 56 products in your area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program to get information on all of your options.

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