Medicare Explained

Four Parts:

• Part A (Hospital Insurance) – Part A generally includes hospital insurance. It pays for inpatient hospital stays, care in a skilled nursing facility, hospice care, and home healthcare.  Most people don’t have to pay a monthly Part A premium. They or their spouse paid taxes while they were working.

• Part B (Medical Insurance) – With Part B, you will have coverage for medically necessary services. This includes doctors’ services, outpatient care, clinical laboratory services, home healthcare, outpatient hospital services, blood services. Also, and some other medical services that aren’t covered by Part A.   Part B is optional, and the beneficiary will generally pay a premium for this.

• Part C (Medicare Advantage Plans) – Advantage plans are offered by approved private insurance companies and are an alternative to Original Medicare since they include all benefits and services covered under Part A and Part B. If you join an Advantage Plan you’ll get your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from the Advantage Plan.

• Part D (Medicare Prescription Drug Coverage) – drug plans help you pay for medically necessary brand-name and generic prescription drugs at participating pharmacies in your area. The plans are administered by approved private insurance companies.

To learn more about Medicare Plan Options, fill out the contact form at the side or just give Ralph a call at 602-390-8573

Medicare is a US Federal Government Health Insurance Program for a few different groups:

1. People 65 years of age and older

2. Some people with disabilities under age 65

There are four parts to Medicare:

1. Part A (Hospital Insurance) – Part A generally includes coverage for inpatient hospital stays, care in a skilled nursing facility, hospice care, and home healthcare. Most people don’t have to pay a monthly premium for Part A if they or their spouse paid taxes while they were working.

2. Part B (Medical Insurance) – Part B covers medically necessary services such as doctors’ services, outpatient care, clinical laboratory services, home healthcare, outpatient hospital services, blood services, and some other medical services not covered by Part A. Part B is optional, and the beneficiary will generally pay a premium for this.

3. Part C (Medicare Advantage Plans) – These plans are offered by approved private insurance companies and include all benefits and services covered under Part A and Part B. If you join an Advantage Plan, you’ll get your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from the Advantage Plan.

4. Part D (Medicare Prescription Drug Coverage) – These plans help you pay for medically necessary brand-name and generic prescription drugs at participating pharmacies in your area. The plans are administered by approved private insurance companies.

To learn more about Medicare Plan Options, fill out the contact form at the side or just give Ralph a call at 602-390-8573.

Medicare in a Nutshell:

Open Enrollment Dates: The annual election period for Medicare products is from December 15th to January 7th each year. Other Special Enrollment periods are also available.Medicare is a US Federal Government Health Insurance Program for a few different groups:

1. People 65 years of age and older

2. Some people with disabilities under age 65

There are four parts to Medicare:

1. Part A (Hospital Insurance) – Part A generally includes coverage for inpatient hospital stays, care in a skilled nursing facility, hospice care, and home healthcare. Most people don’t have to pay a monthly premium for Part A if they or their spouse paid taxes while they were working.

2. Part B (Medical Insurance) – Part B covers medically necessary services such as doctors’ services, outpatient care, clinical laboratory services, home healthcare, outpatient hospital services, blood services, and some other medical services not covered by Part A. Part B is optional, and the beneficiary will generally pay a premium for this.

3. Part C (Medicare Advantage Plans) – These plans are offered by approved private insurance companies and include all benefits and services covered under Part A and Part B. If you join an Advantage Plan, you’ll get your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from the Advantage Plan.

4. Part D (Medicare Prescription Drug Coverage) – These plans help you pay for medically necessary brand-name and generic prescription drugs at participating pharmacies in your area. The plans are administered by approved private insurance companies.

To learn more about Medicare Plan Options, fill out the contact form at the side or just give Ralph a call at 602-390-8573.

Medicare in a Nutshell:

Open Enrollment Dates: The annual election period for Medicare products is from December 15th to January 7th each year. Other Special Enrollment periods are also available.Medicare is a US Federal Government Health Insurance Program for a few different groups:

1. People 65 years of age and older

2. Some people with disabilities under age 65

There are four parts to Medicare:

1. Part A (Hospital Insurance) – Part A generally includes coverage for inpatient hospital stays, care in a skilled nursing facility, hospice care, and home healthcare. Most people don’t have to pay a monthly premium for Part A if they or their spouse paid taxes while they were working.

2. Part B (Medical Insurance) – Part B covers medically necessary services such as doctors’ services, outpatient care, clinical laboratory services, home healthcare, outpatient hospital services, blood services, and some other medical services not covered by Part A. Part B is optional, and the beneficiary will generally pay a premium for this.

3. Part C (Medicare Advantage Plans) – These plans are offered by approved private insurance companies and include all benefits and services covered under Part A and Part B. If you join an Advantage Plan, you’ll get your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from the Advantage Plan.

4. Part D (Medicare Prescription Drug Coverage) – These plans help you pay for medically necessary brand-name and generic prescription drugs at participating pharmacies in your area. The plans are administered by approved private insurance companies.

To learn more about Medicare Plan Options, fill out the contact form at the side or just give Ralph a call at 602-390-8573.

Medicare in a Nutshell:

Open Enrollment Dates: The annual election period for Medicare products is from December 15th to January 7th each year. Other Special Enrollment periods are also available.