Medicare - Indiana & Michigan
Medicare Quote Forms
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Medicare Insurance Quote
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Medicare is health insurance for people age 65 or older, under 65 with certain disabilities, and any age with End-Stage Renal Disease (ESRD). ESRD is permanent kidney failure requiring dialysis or a kidney transplant. The different parts of Medicare help cover specific services if you meet certain conditions.
Most people get their Medicare health care coverage in one of two ways. Your costs vary depending on your plan, coverage, and the service you use.
You may choose the Original Medicare Plan – Part A (Hospital) and Part B (Medical): Medicare provides this coverage. Part B. is optional You have your choice of doctors. Your costs may be higher than in Medicare Advantage Plans.
Part D (Prescription Drug Coverage): You can choose this coverage. Private companies approved by Medicare run these plans. Plans cover different drugs. Medically necessary drugs must be covered.
Medigap (Medicare Supplement Insurance Policy): You can choose to buy this private coverage (or an employer/union may offer similar coverage) to fill in gaps in Part A and Part B coverage. Costs vary by policy and company.
You may choose Medicare Advantage Plans like PPOs and PFFSs – called “Part C”, this option combines your Part A (Hospital) and Part B (Medical): Private insurance companies approved by Medicare provide this coverage. Generally, you must see doctors in the plan. Your costs may be lower than in the Original Medicare Plan, and you may get extra benefits.
Part D (Prescription Drug Coverage): Most Part C Advantage plans cover prescription drugs. If they don’t, you may be able to choose this coverage. Plans cover different drugs. Medically necessary drugs must be covered.
The Different Parts of Medicare
Medicare Part A (Hospital Insurance)
- Helps cover inpatient care in hospitals (includes critical access hospitals, inpatient rehabilitation facilities, and long-term care hospitals).
- Helps cover skilled nursing facility (not custodial or long-term care), hospice, and home health care services.
Medicare Part B (Medical Insurance)
- Helps cover doctor services and outpatient care.
- Helps cover some preventive services to help maintain a person’s health and to keep certain illnesses from getting worse.
- Generally pays 80% of the Medicare-approved amount for covered services.
Medicare Part C (Medicare Advantage Plan)
- A way to get Medicare benefits through private companies approved by and under contract with Medicare.
- Includes Part A, Part B, and usually other benefits Medicare doesn’t cover. Most plans also provide prescription drug coverage.
Medicare Part D (Prescription Drug Coverage)
- Run by private companies approved by Medicare, which can either be Medicare Advantage Plans or separate Medicare Prescription Drug Plans.
- Helps cover the cost of prescription drugs.
- Each plan can vary in cost and drugs covered.