Understanding the Basics
First things first, let’s get familiar with the basics. Medicare is a federal health insurance program primarily for people aged 65 and older, but it also covers some younger folks with disabilities. It’s divided into different parts: Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage), and Part D (prescription drug coverage). Each part covers different services, and understanding what each one offers is key to making informed decisions. Click below to learn more about each option:

Medicare Part A
Hospital Insurance: It covers inpatient care, skilled nursing facilities, hospice, and some home health care.

Medicare Part B
Medical Insurance: Your go-to for doctor visits, outpatient care, medical supplies, and preventive services.

Medicare Part C
Medicare Advantage Plans: These plans bundle Part A and Part B, and often include Part D.

Medicare Part D
Prescription Drug Coverage: Helps cover the cost of prescription drugs, essential if you have regular perscriptions.
Medicare FAQ
Here are five common questions someone new to Medicare might ask, along with easy-to-understand answers: (Please click to expand answer).
Medicare is a federal health insurance program primarily for people aged 65 and older, but it also covers some younger individuals with disabilities or specific medical conditions. If you’re a U.S. citizen or permanent resident and meet the age or disability criteria, you’re likely eligible.
- Part A covers hospital stays, skilled nursing facility care, hospice, and some home health care.
- Part B covers outpatient care, doctor visits, preventive services, and some home health care.
- Part C (Medicare Advantage) is an all-in-one alternative to Original Medicare, often including Part A, Part B, and sometimes Part D, plus extra benefits.
- Part D covers prescription drugs.
If you’re already receiving Social Security benefits, you’ll be automatically enrolled in Parts A and B when you turn 65. If not, you can sign up through the Social Security Administration’s website, by phone, or at your local Social Security office.
Original Medicare includes Part A and Part B and allows you to see any doctor or hospital that accepts Medicare. Medicare Advantage (Part C) bundles Parts A, B, and usually D, and often includes extra benefits like vision, dental, and hearing. However, Medicare Advantage plans typically have network restrictions.
If you have Original Medicare, you’ll need a separate Part D plan for prescription drug coverage. Many Medicare Advantage plans include Part D, so you wouldn’t need a separate plan if you choose Medicare Advantage.
Got more questions? Feel free to ask! I’m here to help you navigate Medicare with ease.
Final Thoughts
Starting your Medicare journey can be daunting, but you don’t have to do it alone. With the right guidance, you can make informed decisions that give you peace of mind and ensure you get the care you need. If you have any questions or need further assistance, don’t hesitate to reach out. I’m here to help you every step of the way, making Medicare as simple and stress-free as possible.