What is Medicare?
Medicare is the federal government’s health insurance program for anyone 65 or older. Also covered are certain younger individuals with disabilities and those suffering from End-Stage Renal Disease or ESRD (permanent kidney failure that requires dialysis or a transplant). Each of Medicare’s four parts help cover specific health-related services.
Medicare Part A (Hospital Insurance)
Under Part A, inpatient hospital stays, care in a skilled nursing home facility or hospice, and some home health care are covered.
Check if your hospital accepts medicare.
Medicare Part B (Medical Insurance)
Part B covers certain physicians’ and preventive services, outpatient care, and medical supplies.
Check if your Doctor accepts Medicare.
Medicare Part C (Medicare Advantage Plans)
This health plan is offered by private insurance companies that contract with Medicare to provide all the Part A and Part B benefits. A Medicare Advantage Plan includes:
- Health Maintenance Organizations (HMO)
- Preferred Provider Organizations
- Private Fee-for-Service Plans
- Special Needs Plans
- Medicare Medical Savings Account Plans
If you are enrolled in a Medicare Advantage Plan, Medicare services are covered rather than being paid for under Original Medicare. Medicare Advantage Plans typically offer prescription drug coverage.
Medicare Part D (Prescription Drug Coverage)
Part D includes prescription drug coverage to Original Medicare and some Medicare Cost, Medicare Private Fee-for-Service, and Medicare Medical Savings Account Plans. These plans are offered by insurance and other Medicare-approved private companies. The Medicare Advantage Plans may provide prescription drug coverage similar to what is offered through the Medicare Prescription Drug Plans.
Medicare Coverage Chart
|Medicare Part A (Hospital Coverage)
||Medicare Part B (Medical Insurance)
|Medicare Part C (Medicare Advantage)
||Medicare Part D (Drug Coverage)
Which type of coverage do you have?
- Check your red, white and blue Medicare card.
- Check other insurance cards you may use. Dial the number on the back for more information about what’s covered.
- Visit Medicare.gov to check your Medicare health or drug plan enrollment.
- Call 1-800-MEDICARE (1-800-633-4227). TTY users should dial 1-877-486-2048.