Whether you are turning 65 years old, and getting ready to start Medicare, or you are older, and getting ready to retire and start Medicare, the whole process can be confusing to most, so don’t worry you are not alone if you feel a little bit overwhelmed

Medicare Overview:
Medicare Consist of four basic parts which are Part A, Part B, Part C, and Part D. You also have the option of adding a Medicare Supplement policy, which many find advantageous.

Medicare Explained:
Medicare Part A covers Hospitalization, and even includes Skilled Nursing, Home Healthcare, and Hospice. Generally if you have worked and paid Medicare taxes over the years, Part A comes at no cost to you.

Medicare Part B covers Medical cost such as doctors, specialist, outpatient care, durable medical equipment, and some preventive services. Your part B does have a cost associated with it. As of right now (June 2016) if you’re married filling joint taxes, and income is below $170,000 or single with income below $85,000, your Part B premium would be $121.80. Keep in mind this premium can change and has over the years.

Medicare Part C is Medicare Advantage. Medicare Advantage plans combine both Part A & B benefits, and also typically include extra benefits such as preventative dental and vision. With Part C, your benefits are administered by the Medicare Advantage company. Medicare Advantage plans range in premium, and plans vary based on where you live.

Medicare Part D cover prescription drugs. You can obtain a Stand along part D, or you can obtain a Medicare Advantage plan that includes prescription drug coverage which is referred to as a MAPD or Medicare Advantage prescription Drug plan. Part D plans range in premium.

Finally, you have the option of a Medicare Supplement, or Medigap plan. A Medicare Supplement picks up some of the cost Medicare does not, whereby filling the gaps, which is why it is sometimes referred to as Medigap.


To learn more about Medicare, visit QuoteMyMedicare 

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