Medicare Supplement



Medicare Program

Medicare Supplements

Medicare Frequently Asked Questions

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How Medicare Works

Centers For Medicare and Medicaid Services 2016 Guide to Medicare
Medicare is the federal health insurance program for people over 65 years of age and people with certain disabilities or End-Stage Renal Disease (permanent kidney failure).

Medicare Costs At-a-Glance

There are four parts to Medicare:

  • Part A Hospital Insurance
  • Part B Optional Medical Insurance
  • Part C Optional Medicare Advantage Insurance
  • Part D Optional Prescription Drug Insurance

2016 Medicare Part A
Helps pay for care in hospitals, some skilled nursing facilities, hospice, and some health care. For most people, Part A is premium-free because they paid Medicare taxes.

2016 Optional Medicare Part B
Optional coverage to help pay for doctors, outpatient hospital care, and some other medical services not covered by Part A. The chart below shows the Part B monthly premium amounts based on income. These amounts change each year. There may be a late-enrollment penalty.

Part C Optional Medicare Advantage Plan Monthly
An alternative to traditional Medicare, Part C is another way to get Medicare benefits. It combines Part A, Part B, and, sometimes, Part D (prescription drug) coverage. Medicare Advantage Plans are managed by private insurance companies approved by Medicare. These plans must cover medically-necessary services. However, plans can charge different copayments, coinsurance, or deductibles for these services.

Part D Optional Medicare Prescription Drug Plan
This optional coverage may help lower an individual's prescription drug costs and help protect against higher costs in the future.