WHAT IS MEDICARE
What Is Medicare? A Clear Explanation for Seniors
Medicare is a federal health insurance program primarily for people age 65 and older. While it is often described as simple, many seniors quickly discover that Medicare is divided into parts, rules, and choices that are rarely explained clearly.
This page explains Medicare in plain English, without sales pressure.
The Parts of Medicare
Medicare is divided into four main parts: Part A, Part B, Part C, and Part D.
Medicare Part A
Medicare Part A generally covers hospital care, skilled nursing facilities, hospice, and some home health services. Most people do not pay a monthly premium for Part A if they or their spouse paid Medicare taxes while working.
Medicare Part B
Medicare Part B covers outpatient medical services such as doctor visits, lab work, preventive services, mental health care, and durable medical equipment.
Part B has a monthly premium. Delaying enrollment without qualifying coverage can result in lifetime penalties.
Medicare Part C (Medicare Advantage)
Medicare Part C, also known as Medicare Advantage, is an alternative way to receive Medicare benefits through private insurance companies approved by Medicare.
Medicare Advantage plans combine Part A and Part B and often include prescription drug coverage and additional benefits.
Medicare Part D
Medicare Part D provides prescription drug coverage. It can be added to Original Medicare or included in many Medicare Advantage plans.
Original Medicare vs Medicare Advantage
Original Medicare consists of Part A and Part B. Medicare Advantage replaces Original Medicare with a private insurance plan that manages care through provider networks.
Each option works differently and fits different needs.
Why Understanding Medicare Matters
Medicare decisions are not easily undone. Penalties, coverage limits, and network restrictions can affect you for years.
Understanding comes first. The decision is always yours.
Step By Step Guide
In this video you will see step by step guide about Medicare Self Enrollment
What Is Medicare Advantage?
Medicare Advantage, also known as Medicare Part C, is offered by private insurance companies approved by Medicare. These plans replace Original Medicare and manage healthcare through provider networks.
What Medicare Advantage Plans Usually Include
Hospital and medical coverage
Prescription drug coverage
Additional benefits such as vision, hearing, or fitness programs
Dental Coverage in Medicare Advantage Plans
Some Medicare Advantage plans include dental benefits. These benefits are often limited, capped annually, and may exclude major dental procedures.
Dental coverage should be clearly understood before choosing a plan.
Provider Networks and Referrals
Most Medicare Advantage plans require you to use specific provider networks. Seeing doctors outside the network may result in higher costs or no coverage.
Who Medicare Advantage May Be Right For
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Who Medicare Advantage May Not Be Right For
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SELF-ENROLL IN MEDICARE ADVANTAGE
Self-Enroll in Medicare Advantage — Privately and at Your Pace
You do not need to speak with an agent to enroll in Medicare Advantage. You do not need to give personal information just to learn.
This page allows you to explore and self-enroll when you are ready.
Why Self-Enrollment Matters
Many seniors feel pressured by phone calls and aggressive sales tactics. Self-enrollment allows you to make decisions privately, without outside pressure.
How Self-Enrollment Works
Review available Medicare Advantage plans
Compare benefits, costs, and networks
Enroll securely when you are ready
What We Do Not Do
We do not call you
We do not sell your information
We do not pressure enrollment