Medicare Health Insurance

Medicare Health Insurance Overview

The United States government offers Medicare health insurance to seniors aged 65 and older, as well as qualifying citizens under 65 who have permanent kidney failure or disabilities. 


Medicare Part A - Hospital Care

Health coverage for expenses related to Hospital (In-Patient)  care, lab work, surgery, skilled nursing care, and hospice.  There is no charge for Medicare Part A coverage if you have worked for at least 10 years (40 quarters). If less than 10 years, the monthly premium varies based on whether you have worked less than or more than 7.5 years.


Medicare Part B - Out-Patient Care

Health coverage for doctors, health providers, out-patient treatments, durable medical equipment, and some home health care costs.  There are monthly premiums required for Medicare Part B coverage.  It is IMPORTANT to enroll in Part B within the specified date range around the month you turn 65, or when you loose creditable coverage from your employer.  Penalties are added to the cost of coverage (for  life) for each month you are late enrolling.  


Medicare Part C - Medicare Advantage

Alternative health care coverage provided by private insurance companies replacing Original Medicare Parts A & B. 

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Medicare Part D - Prescription Drugs

Insurance coverage for Prescribed Medications.  It is important to compare and identify the right Prescription Drug Plan (PDP) based on the specific medications you require.

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Medicare insurance is complex to fully understand.  We recommend that you visit  www.medicare.gov  to learn more about the services and costs for Original Medicare.   

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