The Basics of 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.
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 $174.70 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.
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.
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"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."
Teresa S.
"I found Steve through a friend for help with my Medicare plan enrollment. He was very knowledgeable and professional in getting me enrolled in the correct Medicare plan. I would highly recommend him to anyone."
Jerry C.
"I am happy with Steve’s complete communication and understanding of each and everything that I needed in reference to my Medicare health insurance. Thank you very much. I am happy in my retirement."
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“Steve gave me personal attention and guidance to help me get started with Medicare. He explained my options clearly, and patiently answered all of my questions. I would highly recommend working with Steve.”
John A.
The cure for Medicare confusion
**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.