Medicare for Over or Under Age 65

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

  • Age 65 or older
  • Under age 65 with certain disabilities*
  • Any age, with end-stage renal disease (ESRD)

This program is administered by the Centers for Medicare & Medicaid Services (CMS), an agency of the U.S. Department of Health and Human Services.

*Includes disabled citizens, citizens having Lou Gehrig's Disease, or receiving SSDI 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 Fees
  • Part B - Medical Costs
  • Part C - Medicare health plans, which must cover Part A and Part B benefits
  • Part D - Prescription drug coverage

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

Medicare Supplement - The Medigap Plan

In addition, the Medigap Plan, also known as Medicare Supplement, is a plan 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 co-insurance, co-payments, and/or deductibles, when Original Medicare determines that a benefit is medically necessary. Some Medigap policies, also known as Medicare Supplements, cover benefits not covered by Original Medicare. Separate Part D (prescription drug plan) needs to be added, as it is not included in the Medigap plan.

Medicare & Medicaid

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

If you are looking for help understanding different parts of Medicare, Medicare Advantage, Medicaid, or Medicare Supplement, our knowledgeable agents are available for a free of charge personal consultation. Call 888-444-9020 for a free, no obligation appointment today!