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Medicare health plans can be confusing. Especially for people who find themselves needing to sign up and use it for the first time. Let Meredith Insurance Center be your expert resource for everything you need to know about Medicare.

What is medicare?

Medicare is the U.S. Federal Health Insurance program for people who are:

  • 65 or older

  • Certian younger people with disabilities

  • People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)

Medicare consists of different parts, each covering specific benefits. (scroll down to read about each part)

Meredith Insurance Center offers Medicare insurance plans to help those who qualify to get the health care they need. We offer the original standard Medicare plans (see below) and Medicare supplement insurance plans to fill in the gaps left by standard Medicare Plans.

If you are a senior who needs help with their Part A or Part B Medicare coverage, don’t hesitate to contact us.  We can also discuss how a supplementary insurance plan can help take care of health care expenses that standard Medicare doesn’t.

Medicare part A – Hospital insurance

Helps cover inpatient care in a hospital or skilled nursing facility (following a hospital stay), home health care services, and hospice care services. Copayments, coinsurance, and deductibles may apply for each service. You usually do not pay a monthly premium for Part A coverage if you or your spouse paid Medicare taxes while working.  

Medicare part B – Medical insurance

Helps cover doctors' services, outpatient care, home health services, and other medical services. Part B also covers some preventive services. Copayments, coinsurance, and deductibles may apply for each service. You can find out if you have Part B by looking at your Medicare card. You pay the Part B premium each month. Part A and Part B are often referred to as “Original Medicare”.

Medicare part C – medicare advantage Plans

A type of Medicare health plan offered by private insurance companies approved by and under contract with Medicare. Includes Part A, Part B, and, usually, other coverage like prescription drugs. Medicare Advantage Plans may offer extra coverage, such as vision, hearing, dental, and/or health and wellness programs. In addition to your Part B premium, you usually pay one monthly premium for the services provided.

Medicare part D – Prescription drug coverage

A prescription drug option offered by private companies approved by and under contract with Medicare. Helps cover the cost of prescription drugs, may help lower your prescription drug costs and help protect against higher costs in the future. Part D is available to everyone with Medicare.

Medigap

Extra health insurance from a private company that pays health care costs not covered by other Medicare plans.  Medigap plans cover co-payments, deductibles, and health care while traveling outside the United States. Medigap policies do not cover long-term care, dental care, vision care, hearing aids, eyeglasses, private nursing, or prescription drugs.

Medigap policies cover only one person, are only available for those who already have Medicare Part A (hospitals) and Medicre Part B (doctors).  Those who have Medicare Part C (advantage) are not eligible for a Medigap plan.

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