Medicare

Medicare is a federal health insurance program designed to provide essential medical coverage for individuals as they age or face qualifying disabilities. With multiple parts and plan options, Medicare ensures you have access to the care, medications, and services you need—while giving you flexibility in how that coverage is delivered. 

  Medicare is designed for:

• Adults 65 and older
   
• Individuals under 65 with qualifying disabilities
   
• People diagnosed with End-Stage Renal Disease (ESRD) or ALS
   
• Anyone seeking structured, reliable health coverage with predictable costs

• Medicare Part A - Hospital Insurance: Coverage for inpatient hospital stays, skilled nursing facilities, hospice care, and some home health services. 
• Medicare Part B - Medical Insurance: Coverage for doctor visits, outpatient care, preventive services, labs, and medical equipment. 
• Medicare Part C - Medicare Advantage Plans: All-in-one alternative to Original Medicare (A & B), often including prescription coverage, dental, vision, hearing, and additional benefits. Offered by private insurance companies. 
• Medicare Part D - Prescription Drug Plans: Helps cover the cost of prescription medications and protects against high drug expenses. 
• Medicare Supplement Insurance (Medigap): Plans offered by private insurers to help pay deductibles, coinsurance, and other out-of-pocket costs not covered by Original Medicare.