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What is Medicare?

The word “Medicare” is surrounded by icons representing availability (a clock and calendar), costs (stack of money), family doctor (checked box), diagnostics (heart), specialist (a doctor with checked box), rehabilitation (stethoscope), care (hand h…

The word “Medicare” is surrounded by icons representing availability (a clock and calendar), costs (stack of money), family doctor (checked box), diagnostics (heart), specialist (a doctor with checked box), rehabilitation (stethoscope), care (hand holding leaf), insurance (clipboard with writing).

Medicare is health insurance for the following people:

  • Adults 65 and older

  • Adults with disabilities

  • Adults with end-stage renal disease

  • Adults with ALS (Amyotrophic Lateral Sclerosis, also called Lou Gehrig's disease)

What does Medicare pay for?

Typically, Medicare covers what most commercial insurance covers but it’s broken into parts.

Medicare comes in 4 parts: A, B, C, D

Part A = Hospital insurance

Part B = Medical insurance for doctors and outpatient care

Part C = Private insurance that combines Part A, B and D (optional)

Part D = Prescription drug insurance

Medicare does not pay for vision, dental, or hearing services but you may be able to get those things covered by choosing a Medicare Advantage plan. Learn more about Medicare Advantage by going here.

How much does Medicare cost?

That depends! Most people, pay into Medicare by working a job in the US and paying taxes for at least 10 years (or 40 quarters). For these people, Part A is premium free, meaning they don’t have to pay for it. Part B costs most people $164.90 a month but if your income is higher you may pay more. If your income is very low, you may qualify to have your Part B premium paid for by your state. Part D monthly premiums are all different depending on the plan you choose and whether you qualify for help to pay for it.

For more information on Medicare costs go here.

How do you sign up for Medicare?

Typically, if you’re receiving social security payments, you will be enrolled in Original Medicare (Parts A and B) automatically. If you’re not receiving social security, you can sign up for Original Medicare by completing an application at the Social Security website.

To sign up for Medicare Part C or D, you will need to go to Medicare.gov or contact someone from our team by clicking HERE.

We do not offer every plan available in your area. Currently we represent 6 organizations which offer 56 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. 

We do represent all of the major carriers in the area and should another plan seem to better meet your needs, we will connect you with the appropriate resources.