Medicare Overview

Smart Health Medicare Insurance Senior Couple

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What to consider:

It is never too early to talk about Medicare.

I recommend exploring your options 6 months prior to turning 65.

Apply for Medicare three months before your birth month.

You have a Guaranteed Issue period when you are first eligible for Medicare.

Most people supplement their Medicare coverage.

Three Parts Of Medicare

Part A Covers:

Inpatient care in a hospital (covers drugs, medical supplies, and medical equipment used during an inpatient hospital stay or at a skilled nursing facility)

Skilled nursing facility care

Nursing home care (inpatient care in a skilled nursing facility that’s not custodial or long-term care)

Hospice care

Home health care

Part B Covers:

Medically necessary services: Services or supplies that are needed to diagnose or treat your medical condition and that meet accepted standards of medical practice.

Preventive services: These are services to prevent illness or diagnose illness at an early stage when treatment is most beneficial. Mammograms, colonoscopies, prostate cancer screenings and bone density screenings are some of the preventive services covered in Part B.

Examples of Part B Coverage:

Doctor visits

Mental health

Ambulance services

Outpatient therapy

Durable medical equipment (DME)

Part C Covers:

Prescription Drug Plan (PDP)

Many drugs you would fill at a pharmacy

Brand-name

Generic prescriptions

Coverage varies depending on the plan

It is a good idea for most seniors who enroll in Medicare Parts A & B to buy a policy that fills in the gaps of Original Medicare.

Select an Option to Fill the Gaps in your Medicare Part A & Part B Coverage:

Medigap Plan

Keep your Original Medicare Part A & Part B and add a Medicare Supplemental policy to cover the gaps in you hospital/medical coverage and a Medicare Prescription Drug Plan (PDP), known as Part D, to cover your Rx drugs.

Explore Medicare Supplements

Medicare Advantage Plan (Part C)

Have a private insurance company take over your Medicare Part A & B coverage. They usually include Rx Drug coverage (highly recommended) and may offer additional benefits not offered by Original Medicare.

Explore Medicare Advantage Plans