About Medicare

Medicare is the federal health insurance program for people age 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).

Access Insurance strives to help Medicare members better manage their Original Medicare and Medicare Part D benefits and offers top-quality programs and services that meet your unique health care needs. Access Insurance strives to help Medicare members better manage their Original Medicare and Medicare Part D benefits and offers top-quality programs and services that meet your unique health care needs.  

https://www.medicare.gov/what-medicare-covers/your-medicare-coverage-choices/whats-medicare


Who Can Get Medicare?

You are eligible for Medicare at age 65 or older, if:

  • You are a U.S. citizen, or a permanent legal resident.
  • You have lived in the United States for at least five years.
  • You or your spouse has worked long enough to be eligible for Social Security or railroad retirement benefits, even if they are not yet receiving these benefits, OR
  • You or your spouse is a government employee or retiree who has not paid into Social Security but has paid Medicare payroll taxes while working.

https://www.medicare.gov/sign-up-change-plans/how-do-i-get-parts-a-b


Qualifying for Medicare Before Age 65

  • If you qualify for Social Security Disability Insurance (SSDI) and have been receiving SSDI checks for at least 24 months. For more information, contact your local Social Security Office.
  • You have End Stage Renal Disease (ESRD), otherwise known as kidney failure.
  • You are dual eligible (qualify for both Medicare and Medicaid) due to certain health conditions and income.

https://www.medicare.gov/sign-up-change-plans/how-do-i-get-parts-a-b/part-a-part-b-sign-up-periods


The Alphabet Soup of Medicare - Part’s ABCs (and Part Ds)

Medicare coverage is divided into four categories:

Part A

Medicare Part A (hospital insurance) covers inpatient hospital stays, care in skilled nursing facilities, hospice care, and some home health care. It is considered part of Original Medicare, the traditional program offered through the federal government.

https://www.medicare.gov/what-medicare-covers/what-part-a-covers/medicare-part-a-coverage-hospital-care

Part B

Medicare Part B (medical insurance) covers certain doctors' services, outpatient care, medical supplies, and preventive services. It is also considered part of Original Medicare.

Part C

Part CMedicare Part C, often called Medicare Advantage in the form of HMO’s, PPO’s and PFFS are offered by private insurance companies working with the federal government to provide all Part A and Part B benefits together in one package. Your Medicare Part C plan may charge a premium in addition to the monthly cost of your Original Medicare coverage. Many Medicare Advantage plans include prescription drug coverage (Medicare Part D) as part of the comprehensive package.

https://www.medicare.gov/sign-up-change-plans/types-of-medicare-health-plans/medicare-advantage-plans

Part D

Medicare Part D covers Prescription Drugs. Plans are offered as a stand-alone Rx plan or as part of a Medicare Advantage Plans. https://www.medicare.gov/drug-coverage-part-d

https://www.medicare.gov/drug-coverage-part-d


Plans A-M Medicare Supplements

Medicare Supplement plans are designed to pay most all your portion of Part A and Part B of Medicare. Offered by private insurance companies that pay some portion of your medically necessary occurrences.

https://www.medicare.gov/supplements-other-insurance/whats-medicare-supplement-insurance-medigap


What To Consider When Choosing The Right Plan For You

Look at the 7 Things to consider when choosing coverage  https://www.medicare.gov/what-medicare-covers/your-medicare-coverage-choices/consider-these-7-things-when-choosing-coverage

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