Medicare is the federal government health care insurance program for people 65 or older, individuals with disabilities, and people who have permanent kidney failure who require dialysis or a kidney transplant. There are several parts to Medicare and each may cover different aspects of an individuals health care needs. For example, Medicare Part A considered Hospital Insurance, covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. Medicare Part the Medical Insurance coverage takes care of certain doctors' services, outpatient care, medical supplies, and preventive services. 

There are also the Medicare Advantage Plans that are considered Medicare Part C. These Medicare health plans are offered by private Medicare contracted companies that provide all of the Medicare Part A and B benefits for qualified individuals. Medicare Advantage plans are not paid for under traditional Medicare. However, they do offer Health Maintenance Organizations, Private Fee-for-Service Plans, Special Needs Plans, Medicare Medical Savings Account Plans and Preferred Provider Organizations Plans. Most Medicare Advantage Plans have prescription drug plans available as well.

Prescription drug coverage is available through the Medicare Part D prescription drug program. Part D provides prescription drug coverage under Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service Plans, and Medicare Medical Savings Account Plans. If approved by Medicare, these plans are offered by private companies and insurance companies. When choosing the Medicare plan that is right for you, it is extremely important to know all the benefits that may or may not be available. If you have questions please feel free to contact us!