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What Is Medicare?

Medicare is a federal health insurance program for:

  • People age 65 or older;
  • People with certain disabilities; or
  • People with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant.)

Four Parts of Medicare

Medicare Part A

Hospital Insurance

Helps cover inpatient care in a hospital or skilled nursing facility (following a hospital stay), home health care services, and hospice care services. Co-payments, coinsurance, and deductibles may apply for each service. You usually do not pay a monthly premium for Part A coverage if you or your spouse paid Medicare taxes while working.

Medicare Part B

Medical Insurance

Helps cover doctors’ services, outpatient care, home health services, and other medical services. Part B also covers some preventive services. Copayments, coinsurance, and deductibles may apply for each service. You can find out if you have Part B by looking at your Medicare card. You pay the Part B premium each month. Part A and Part B are often referred to as “Original Medicare”.

Medicare Part C

Medicare Advantage

A health coverage option run by private insurance companies approved by and under contract with Medicare. Includes Part A, Part B, and, usually, other coverage like prescription drugs. Medicare Advantage Plans may offer extra coverage, such as vision, hearing, dental, and/or health and wellness programs. In addition to your Part B premium, you usually pay one monthly premium for the services provided.

Medicare Part D

Medicare Prescription Drug Coverage

A prescription drug option run by private companies approved by and under contract with Medicare. Helps cover the cost of prescription drugs, may help lower your prescription drug costs and help protect against higher costs in the future. Part D is available to everyone with Medicare.

MediGap

Medicare Supplement

MediGap is an alternative to Medicare Part C offered by some of the same health insurance providers who provide Medicare C. Unlike Medicare C, it is a fee-for-service health insurance program. You typically pay a portion of the costs for covered services as you get them. A company providing MediGap will usually have plans labelled A through N which differ in what they cover and what you pay for the service. Two advantages of MediGap are that it can provide low out-of-pocket costs and you can keep your doctor if they accept Medicare patients.

Not affiliated with or endorsed by the government or Federal Medicare Program.

By providing your information, you grant permission for licensed insurance agent, George William Beach Insurance Services LLC to contact you regarding your Medicare options including Medicare Supplement, Medicare Advantage, and Prescription Drug Plans.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Working With Us

As an experienced health insurance broker, I can assist you with Medicare plans.

If you are among the 40% of Americans over the age of 65 who depend on Medicare for your health insurance, I am here to help you. You have many options beyond Original Medicare (just having Medicare Part A and B). I can help you choose a Medicare Advantage plan that has extra benefits you would like to have, select a Medicare Part D plan that is best for your prescription needs or navigate the confusing MediGap tables to find you the plan that will most likely minimize your out-of-pocket costs.

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