Medicare For Over or Under Age 65

What Is Medicare

Medicare law was signed in 1965 to provide health insurance coverage for U.S. citizens or permanent residents. To qualify, one must be:

  • Age 65 or older
  • Under age 65 with certain disabilities*
  • For all ages with end-stage renal disease (ESRD)

Centers for Medicare & Medicaid Services (CMS), an agency of the U.S. Department of Health and Human Services administer this program.

*Includes citizens having Lou Gehrig’s Disease or disabled, receiving SSD for 2 years.

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Medicare Law - title XVIII of Social Security Act

This law defines different parts of Medicare, known as part A, B, C & D Here’s what each of these parts cover:

  • Part A –Hospital
  • Part B –Medical
  • Part C –Medicare health plans, which must cover Part A and Part B benefits
  • Part D –Prescription drug coverage

Medicare Part A & B, also known as Original Medicare has deductible and coinsurance. Part C, also known as Medicare Advantage (MA) combines parts A and B with maximum out-of-pocket limit. MA plans may also offer extra benefits, such as free Gym Membership which original Medicare doesn’t offer. Some MAPD plans may include Part D (Prescription drug coverage.)

Medicare Supplement - The Medigap Plan

In addition, Medigap Plan, also known as Medicare Supplement, sold by private insurance companies to fill gaps in Original Medicare coverage. It helps pay all or a portion of Part A and Part B coinsurance, copayments, and/or deductibles, when Original Medicare determines that a benefit is medically necessary. Some Medigap policy, also known as Medicare Supplement, cover benefits not covered by Original Medicare. Separate Part D (prescription drug plan) needs to be added, as it is not included in Medigap plan.

Medicare & Medicaid

With zero monthly cost Dual Special Needs Plans, you could get more benefits than Original Medicare (Red White & Blue Card) if you are Qualified Medicare Beneficiary; these benefits may include (but not limited to):

Contact Us

Contact your local insurance agent in Dayton, Ohio, at (937) 867-2368
for a no obligation personal consultation. Or e-mail us at