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What is Medicare?
Medicare Supplement Insurance
Caregiver and Patient at Skilled Nursing Facility
Medicare Advantage Plans
Nursing Home - Caregiver and Nurse

Medicare is the federal health insurance program for people who are 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).

There are four parts to Medicare – Parts A, B, C and D:

  • Medicare Part A = Hospital Insurance - Inpatient Hosptial Stays, etc. 

 

  • Medicare Part B = Medical Insurance - Oupatient Services; i.e. Doctor Visits, etc.

The Two Main Ways to Get Medicare

2023 Medicare Open Enrollment
2023 Medicare
Annual Election Period (AEP)
October 15th - December 7th  
Medicare Advisor & Senior Couple

1. Original Medicare – Includes Part A and Part B. You can use any doctor or hospital that takes Medicare, anywhere in the U.S.

Medicare Supplement Insurance Plans (Medigap):

AARP Medicare Supplement Insurance Plans from UnitedHealthcare Insurance Company

If you don't get Part D or a Medigap policy when you're first eligible, you may have to pay more to get this coverage later. For Part D, this could mean a lifetime premium penalty.

2. Medicare Advantage – An "all in one" alternative to Original Medicare. These "bundled" plans include Part A, Part B, and usually Part D. Most plans offer extra benefits that Original Medicare doesn't cover – like vision, hearing, dental, fitness memberships, over-the-counter-items and more.

  • Plans may have lower out-of-pocket costs than Original Medicare.

  • In most cases, you'll need to use doctors who are in the plan's network.

Caregiver and Nurse at Skilled Nursing Facility.
Consider these 7 things when choosing coverage
Medicare Insurance for Seniors in Florida
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