Medicare is a government health Insurance program for:

  • People 65 or older
  • People under the age of 65 with certain disabilities
  • People of all ages with permanent Kidney failure requiring dialysis or a kidney transplant

Medicare enrollment timeframe starts 3 months before you turn 65 until 3 months after you turn 65. A total of 7 months. Sign up early to avoid a delay in coverage

Part A-Hospital Coverage

  • Hospital Stays
  • Impatient Psychiatric Hospital Care
  • Impatient care in a skilled nursing facility (not custodial or long term care)
  • Home health care
  • Hospice care services

Copayments, Co-Insurance & deductibles may apply for each service

Part B- Medical Insurance

  • Medical expenses
  • Clinical Laboratory services
  • Home health care
  • Outpatient hospital services
  • Preventive services
  • Part B has an annual deductible in 2018 for $183.00.

After your deductible is met, you typically pay 20% of the Medicare approved charge

PART D- Prescription Drug Plan

  • Medigap does not cover Prescription drugs. However, I will research the best plan for you based on the drugs that you are currently taking.

What is not covered by Part A & Part B

  • Long term care
  • Dentures
  • Cosmetic surgery
  • Acupuncture
  • Hearing aids
  • Routine foot care
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