Medicare Plans

Medicare is a health insurance program for:

  • People age 65 or older,
  • People under age 65 with certain disabilities, and
  • People of all ages with End - Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant). 


Medicare Includes:

Part A Hospital Insurance - Most people don't pay a premium for Part A because they or a spouse already paid for it through their payroll taxes while working. Medicare Part A (Hospital Insurance) helps cover inpatient care in hospitals, including critical access hospitals, and skilled nursing facilities (not custodial or long-term care). It also helps cover hospice care and some home health care. Beneficiaries must meet certain conditions to get these benefits.

Part B Medical Insurance - Most people pay a monthly premium for Part B. Medicare Part B (Medical Insurance) helps cover doctors' services and outpatient care. It also covers some other medical services that Part A doesn't cover, such as some of the services of physical and occupational therapists, and some home health care. Part B helps pay for these covered services and supplies when they are medically necessary.

Part D Prescription Drug Coverage - Most people will pay a monthly premium for this coverage. This coverage is to help you lower prescription drug costs and help protect against higher costs in the future. Private insurance companies provide prescription drug coverage. Beneficiaries choose the drug plan they wish to have for the upcoming year by looking at the premium and the coverage for medications that they are currently prescribed. Like other insurance, if a beneficiary decides not to enroll in a drug plan when they are first eligible, they may pay a penalty if they choose to join later.

This information comes from

Call us and a licensed agent can answer any questions about Medicare that you may have as well as assist you in purchasing a Prescription Drug Plan that fits your needs.