Seniors Learn about Medicare and find the right plan for you.
Medicare Explained Simply
Assistance with health care has been a growing issue in the United States for years. Many individuals, especially seniors, find that they are unable to afford medical bills or insurance for coverage. This leaves them with some tough decisions. Too often, one must choose between good health and finances. There’s no middle ground. The Medicare program was developed by the government to help those who are eligible with their overwhelming health care bills.
There is a lot of information to process when considering Medicare. Knowing what Medicare is and how it works will help you choose the program that will best meet your individual needs. Use this helpful guide to get an understanding of the Medicare program and how it can benefit you.
What is Medicare?
Medicare is a government health insurance program administered by the Centers for Medicare & Medicaid Services (CMS). Medicare is the largest health insurance service in the country, with around 40 million Americans participating. To be eligible you must be a citizen of the United States and meet certain requirements. If you are not a citizen of the United States, you can contact the Social Security Administration office to learn if you would be eligible.
Can you answer yes to at least one of the following statements?
- I am 65 years of age or older.
- I am under 65, but I have certain disabilities.
- I have End-Stage Renal Disease (kidney failure that requires a transplant or dialysis).
If so, then you are likely to be eligible for Medicare benefits.
Medicare Part A
Part A is hospital insurance provided by Medicare. Most people do not pay a premium for this coverage. Part A covers inpatient care in skilled nursing facilities, critical access hospitals, and hospitals. Hospice and home health care are also covered by Part A.
Medicare Part B
Part B is medical insurance to pay for medically necessary services and supplies provided by Medicare. Most people will have to pay a premium to receive this coverage. Part B covers outpatient care, doctor's services, physical or occupational therapists, and additional home health care.
Medicare Part C
Part C is the combination of Part A and Part B. The main difference in Part C is that it is provided through private insurance companies approved by Medicare. With this program, you may have lower costs and receive extra benefits.
Medicare Part D
Part D is stand-alone prescription drug coverage insurance. Most people do have to pay a premium for this coverage. Plans vary and cover different drugs, but all medically necessary drugs are covered. You can choose what drug plan will be best suited to your needs.
Cover Additional Expenses with Medicare Supplement.
Original Medicare Plans do not cover everything. Costs that you may incur include co-insurance, co-pays, deductibles, etc. These costs are called gaps. To help cover these costs you might want to buy a Medigap (also known as Medicare Supplement) policy.
CONFUSED ABOUT MEDICARE?
What People Are Saying About Us
Susan C - -
I was so confused on what supplements to choose. Tim was so willing to help me and to choose the right supplements to fit my needs. I am so thankful that my neighbors told me about Tim and gave me his card. He helped me to feel relieved and happy to know I have fantastic medical coverage! No more stress about medical coverage! Thanks to Tim and Joe!!!!Richard & Cynthia - -
So Tim was recommended to us several years back from a friend of ours when I was approaching 60. I finally called Tim but Joe took the call. It was apparent to us that Tim's approach to servicing Seniors who are in need of an understanding of Medicare was passed on. Joe was Great, informative, knowledgeable, and easy to work with! Thanks Tim & Joe!
Laura M - -
Joe Camden has helped me and one of my co-workers considerably as we were trying to find our way through this Medicare confusion. What was once something that I approached with hesitation, Joe has taken the time to find the right solution to my Medicare concerns. I appreciate Joe's professionalism & commitment so very much.Linda & Ron M - -
Joe was very attentive to our situation with me and my husband. We travel around the country for business and the plan that he chose for us will work great! I would recommend Joe to any of our friends or family members.
Dixie B - -
Tim is knowledgeable and excellent at budgets, staffing problems and ensuring that both staff and resident's needs are being met. He also completely understands the process of Medicare and I highly recommend him.Ray M - -
Tim keeps us on track with our insurance needs and meets to review when necessary.
Jeffrey G - -
Tim has the patience, knowledge, perseverance and expertise to solve health care issues and plow through the bureaucracy. He has been a bridge to retirement and paved the way for both my wife and I to obtain the best / most appropriate as well as economical solutions to our retirement health care needs.Kent C - -
Tim has been our Medicare agent since 2006. As former insurance agent I am really impressed with Tim's product knowledge and his ability to explain the products and directly relate your needs to specific products that fit your budget. He is very knowledgeable and takes the time with each of his clients to make sure they understand what they are buying.