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Your Medicare Solutions

     Medicare is our country's health insurance program for people age 65 or older. Certain people younger than age 65 can qualify for Medicare too, including those with disabilities and those who have permanent kidney failure.

        The program helps with the cost of health care, but it does not cover all medical expenses or the cost of most long-term care.

           Original Medicare has two parts, Part A & Part B. 

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  Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are an “all in one” alternative to Original Medicare. They are offered by private companies approved by Medicare.

           If you join a Medicare Advantage Plan, you still have Medicare. These "bundled" plans include Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance), and usually Medicare drug coverage (Part D).

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        Medicare Supplement Insurance helps fill "gaps" in Original Medicare and is sold by private companies.

          Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs.
           These plans do not include a prescription drug plan, which must be enrolled into to avoid penalties.

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           Medicare Part D prescription drug plans are also known as PDPs. These are standalone plans that can be purchased through private insurance companies. PDPs provide coverage for prescription drugs and medications.

          Original Medicare (Parts A & B) doesn't provide prescription drug coverage. If you have Original Medicare and need prescription drug coverage, you’ll want to sign up for a Part D prescription drug plan.

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Prescription Drug Plans

Medicare Dual Eligible Plans

           Special Needs Plans (SNPs) are designed for people who are eligible for both Medicare and Medicaid, those residing in certain care facilities or who require nursing care at home, or people with certain chronic or disabling conditions. These dually eligible individuals experience high rates of chronic illness, with many having long-term care needs and social risk factors.