Medicare is Health Insurance for: People age 65 or over People under 65 with certain disabilities People of any age with end-stage renal disease (ESRD: permanent kidney failure requiring dialysis or transplant) Medicare doesn’t cover everything. You generally have to pay deductibles, coinsurance and copayments unless you have other insurance to cover the costs. There
There are many costs that Original Medicare does not cover You can buy a Medigap policy through a private insurance company to help fill the gaps in Medicare Part A & B coverage such as coinsurance and deductibles. There is a six-month Open Enrollment Period when you can purchase a Medigap plan without medical underwriting.
Enrolling in Part D Prescription coverage is voluntary unless receiving benefits from Medicaid. If you already have sufficient (creditable) prescription coverage through a group plan or VA benefits then it is not necessary to join a Part D plan. There are two ways to get Medicare Prescription Drug Coverage. Stand Alone Prescription Drug Plans
Medicare Part C Medicare Advantage Plans are sometimes called Medicare Part C or MA Plans and are offered by insurance companies that are approved by Medicare. Medicare Advantage Plans must cover all of the services that Original Medicare covers. Along with your Medicare Part B premium most Medicare Advantage plans also require a monthly premium.